I want to bring to your attention a big issue that no one is talking about. It involves government subsidized predatory lending to uneducated low income people who don't know any better. For-profit education institutions take advantage of them. They say "Here just sign here to apply for this loan and we'll train you for a career, you'll earn the money to pay back the loan in no time". But there are no jobs waiting for them. These institutions take advantage of desperate people who just want a better life for themselves and their families. But the debt never goes away. Since it is a loan from the federal government, they are still required to pay it back with interest even if they file for bankruptcy. These people are working in low paying jobs to begin with. These subsidized student loans may be doing far more harm than good.