While these groups are the culprit during this round, the entirely of the US government and the post secondary educational system is truly to blame. Universities have been peddling an overpriced ware to under informed children and their parents for decades. Terrifying then with the fear of losing ground in middle America while offering a product with ever decreasing value for ever increasing cost, partly because of student loans. The government has then enabled greater and greater burden upon these children and their parents by allowing special loans to groups who should never have had them, by protecting those loans from bankruptcy and by making $$ from baking interest as these groups struggled to pay. It’s a travesty. It should never have happened. Education should be free for all.