If you were to ask someone what student loans are for without offering any context, you’d likely get some variation of “to pay for college, because many kids can’t afford it otherwise.” Such replies reflect an unexamined, embedded assumption that loans to finance higher education — and the pursuit of a degree itself — are intrinsically good ideas. The Biden administration’s proposed student loan forgiveness program, and the challenges to its legality now before the Supreme Court, have placed student debt squarely in the public consciousness. Rarely in discussions about debt forgiveness — or the role of government in providing college loans — does the purpose and suitability of student
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