IMHO.....they should learn that BEFORE going to college and making the loan. I learned that before high school age. I worked at a university for 6 years, it's so sad. Many of these kids are like little children....(clueless in the simplest of things). I'm not picking on your post; I just had to comment. :) """Maybe the first thing they should teach them in college is that they shouldn’t take out loans if they can’t pay them back? Just sayin."""