The U.S. government won’t loan that much to a small business without collateral—but it hands it to jobless teenagers in hoodies and backpacks, calling it “opportunity.”
This isn’t education. It’s legalized entrapment. Financial institutions would never greenlight this deal. Yet Washington does—every day—locking young Americans into 20-year payback plans before they’ve even filed a tax return.
If this happened in the private sector, it would be called predatory lending. But in higher ed, it’s policy. That’s not a safety net. It’s a trapdoor.
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