As the mother of a college student, I couldn't agree with this more! As a former college student who has become disabled and now has a student loan (in default no less,) I have FORBIDDEN my son from EVER taking out a student loan! I told him that even if he could only afford one class per semester that he simply couldn't foresee the future enough to take out the worst kind of loan in the history of loans. He's seen what has happened to me, including the last time I talked to those vultures after a recent hospital stay. The deep, male voice on the phone informed me that if I died before I got the loan paid off that they would come after my son. What they don't seem to realize is that because of the extreme poverty caused by my disablity there is NOTHING for him to inherit from me. Hopefully, that will put the student loan nightmare down for good. Pretty sad when someone who began with only the best of intentions has to die her way out. Maybe.