Awesome work!
[ The final analysis, as I see it, is that the graphic is either: (1) A complete lie; or (2) The result of getting too many breaks and not being responsible with the loan. Probably the former. ]
So Probably the government “breaks” basically caused the problem, and these damn idiots want more government intervention,....... sheesh...
Great Job on the calculations!
Years ago, after I had just received my degree in business/finance, I could have calculated it on paper in a few seconds ( which is why I got a job that enabled me to actually pay my school loans back), but now I just use a calculator or find someone that has already calculated it, but at least I know when something isn’t right.