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Ah yes, children being told by both their families and society in general that you need to go to college in order to not work a fast food job for the rest of your life agreed to take on the debt. I guess they deserve a lifetime of ballooning debt even though the degree didn't stop wages from staying stagnant and inflation destroying their dream of being as successful as their parents.
Not to mention brain still develops for years after most make that "choice".
The issue with arguments like these is that the brain doesn't mature uniformly. I'd you can tell me exactly what parts of the brain are involved in a decision like this and when those parts mature, then you might have a valid argument.
I say "might" because you would still have to show that a brain which hasn't finished maturing is inherently incapable (ie, will always fail) of making such decisions.
As I said already, there no easy answer. But what about some life experience as an adult first regardless?
How old would you say someone needs to be before being allowed to borrow money?
Our education system is shit, which is part of the problem. So many people don't understand the concepts of compounding interest and what debt will actually do to them in the long run.
My wife took on so much debt because no one ever explained to her what she was doing. She applied for a loan and got it, went to school. Shes an attorney now, but has amassed so much debt we will never be able to pay it off. We're on the income based plan, her loan payment is more than our mortgage, and we aren't even covering interest. Loan forgiveness is our only hope
Wow this post really drew the pro-fascist trolls out of the woodwork
I'm not sure there's an easy answer to that, but I think some real world experience and a bit more time for brain to develop would be a good idea.