because if you fuck yourself over I shouldn't have to bail you out. your personal choices are not my responsibility. go ahead and party in your 20s and let your debt accrue to 200K. but don't whine about how unfair your life is when you are living paycheck to paycheck at 40 and have nothing for retirement. you did that to yourself and life is not 'unfair and cruel' because you made bad choices.
this is like you getting drunk crashing you car, and demanding someone else pay for the damages, because 'it's not your fault'. It is your fault entirely, and nobody else's. But by a lot of lemmy logic it's the fault of the alcohol company, the bar owner, and etc. as if they were suppose to prevent you from doing all of that.
personal responsibility exists. college students are not hapless victims of a cruel system. they are making choices and now they are crying that they should not have to face the consequences of the choices. I wanted to go to grad school at my dream school, but it turns out i'd have 60K in debt from going there, so I went to a place where they gave me a scholarship, even if it wasn't what I 'truly' wanted.
But plenty of people make the other choice, and go to schools and get degrees they can't afford. And further, they do nothing responsible/productive with that degree. I had a friend I stopped interacting with who got a comp sci degree from a top uni, had lots of debt, but now works part time in a bicycle shop for 15/hr and refuses to pay back loans and keeps ranting about how the govt should pay off their debt for them. I stopped interacting with this person once I realized what pathetic joke of a human being they. And they love ranting about how everyone is privledged and should pay more tax and they are so poor and helpless and they have financially abused many people with this routine. They are just a lazy entitled jerk who is throwing away their life because it's cool be a bicycle hipster and 'uncool' to work a computer programming job.
Why in the hell would anyone think this person deserves loan forgiveness? They do not. They should use their degree, get a good job, and pay back their loans themselves.
If this person however, got a degree teaching computer science and was doing something productive to society should they qualify for a partial loan forgiveness, totally.
your mistake is you assume all people are well intention ed an good actors. many are not. many human beings are exploiters, abusers, cheats, and generally shitty people who are seeking to exploit everyone/everything they can for personal gain at the loss of other people. lemmy assumes that all such people are billionaires or something... there are plenty of them who are poor who are like this as well.