[willbudd]

Entrusting 18 year olds with the maturity of life-long decision making, perfect foresight, astute self-knowledge, and uniformly competent parental guidance -- what could possibly go wrong, right?

[FloatArtifact]

Maybe college should be delayed to 21 years old... Sarcasm

[willbudd]

The real problem is a society that allows loans to exist where the loanee has no meaningful collateral. If an institution cannot fill its classrooms without stooping to such predatory financial structures then perhaps it just shouldn't exist in the first place. But America is still too drunk on laissez faire capitalism to muster any will for legislative action in that regard.