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Three guesses who 'they' are...
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The education being a debt trap is at least in part due to good intentions gone wrong.
College was a little expensive and they wanted it more accessible, so they tried to make it nice and easy to borrow money.
Universities responded to the influx of cash by... Charging more money...
We tried to fix affordability by just flooding that market with loans with no regulation in place to constrain the universities or the loans.
There's nothing well-intentioned about making debt (borrowing) easier to accumulate.
Studying should be free.