Unfortunately the student loans fall into a category of you're fucked, so the government can make deductions from people's paychecks automatically without them having a say. So a teenager can sign themselves up for mountains of debt, fuck their credit for possible decades and wind themselves up stuck in an economy where they can't find a job in their field and can't pay back their loans so they are stuck doing entry level work in a field they don't want to be in, with minimal money to show for it as the money is taken out beforehand. So maybe they can start a 30 year mortgage on their first house when they are 55, work till 75 and if they are lucky pay it off early so it doesn't get confiscated by the bank and all equity gone so they can't afford retirement and nothing passes down to their kids but the debt of paying for their funeral.