The Student Loan Crisis Isn’t an Accident — It’s a Business Model

The student loan crisis didn’t happen by accident — it happened because the system rewards it. Colleges raise tuition because the government guarantees loans. Lenders take risks because taxpayers cover the losses. Students borrow more because they believe their debt will eventually be forgiven.

Forgiving debt doesn’t solve the problem — it fuels it.

This short is a reminder that incentives shape behavior, and unless the system changes, the crisis will continue.

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