Note the correction to my prior irresponsible statement. No one should be completely absolved of their responsibility else no one learns to be responsible. There need to be consequences, just not debt slavery for life. Typically 7 years (Jubilee) is the max allowed in the Bible for slavery, then you must have allowed and encouraged your slave to work him/herself out of the hole and be prepared to be a responsible member of society. Slavery should be an honorable duty to help than to exploit.

Many people went back to school to avoid the prospect of being unemployed and are living off the massive student loans. My ex informed me she took out a $25,000 loan to go back to medtech school, and she told me the advisers told her that if ever she couldn't pay it, she wouldn't have to worry about it.

Perhaps those advisers weren't paying attention when the USA changed the law several years ago making student loans ineligible for bankruptcy relief. I suppose there is means testing in bankruptcy court w.r.t. to extended payment programs for student loans, yet that means the debtor is a slave any way, because the debtor must be destitute and a judge is dictating the debtor's financial life.