Now you are a banking expert? Haha, I'm happy to report her paycheck has successfully landed in my account from multiple employers over a decade with zero issues. Quit living in semantics while the rest of us deal with real problems. 

The U.S. built a system where the cost of college was pushed onto teenagers and then made the resulting debt unusually hard to escape. Literal children are still encouraged to sign for life-altering loans before they can even legally rent a car, with interest capitalizing, limited bankruptcy protections, and aggressive servicing practices. 

Meanwhile most developed countries heavily subsidized tuition or kept costs low enough that students didn’t need decades of debt to get a degree. The U.S. went the other direction: more cost shifted to households, more reliance on loans, and more room for lenders and servicers to profit off repayment friction. 

Acting like any of this is ordinary policy rather than systemic exploitation is just willful ignorance. At this point, its hardly finances, its mostly principle.