If you have heard problematic claims made about my character, please feel free to email me about it (ccrynjohannnsen AT gmail DOT com) and avoid feeding the trolls.
A reader made this incorrect statement today (see the comments):
No 'solutions' are needed as there is no problem. Do not borrow money that you cannot repay. If you do borrow money, pay it back per the agreed loan terms or bear the consequences.
[Note that no change in bankruptcy laws is remotely possible with Republicans in charge of the House of Reps and 60 votes needed to overcome Senate filibusters. That said, those who wish to spin their wheels trying are obviously free to do so.]When I first began researching and writing about the student loan debt crisis, I had readers say this all the time. Frankly, I'm surprised to see it again, because things have (a) gotten so much worse and (b) our hard work is getting noticed by major media outlets (I now write for several of them, including USA Today).
Since I am an educator, I think this reader needs to be educated on the topic. Here's my response: