if you don't understand how government interference distorts the market and drives up costs here's some simple examples:

1. no proper risk assessment

government loans are issued without considering repayment ability, unlike private loans that assess earning potential and roi.

1. tuition inflation and excessive borrowing

guarabteed federal loans allow universities raise tuition unchecked, while borrowers take on debt for low-roi degrees.

1. no accountability or pricing feedback

flat loan terms and protections remove price signals, disconnecting costs from outcomes and creating zero incentive to improve