And its not even a matter of expecting not-yet-adults to make good decisions. They are raised in a system that teaches them that college debt is good debt and then they graduate and are courted by predatory lenders to take out way more loans than they should for their school loans with no guarantees that they will come out and get a decent job in their field. Schools should be more on the hook for that debt if they breeze someone through a program that they are not a good fit for or that has no job prospects.
Reasonably I'd expect these "not yet adults" to have been shaped by the adults in their lives such as parents, mentors, close family friends, etc. and to be supported in their decision making process by them.
Shouldn't the lion's share of the influence belong to them, and not some 3rd party dealing with the student via infomercial and pamphlet?
