It's not a simple thing, actually. The whole racket of overpriced university level education paid for through student loans is fraudulent. You want a college education, say in electrical engineering. Well you pay $50,000 per year in tuition and take out a loan. Then you discover after you graduate the salaries are suppressed through H1B hiring of foreigners, who by the way have their educations paid for by their governments.
It's a mess that the over-indebted 22 year olds did not make.