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Reply to "What’s your student loan payment "
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[quote=Anonymous][quote=Anonymous]The “you knew you were borrowing, you pay it off” argument ignores the fact that [b]many of these loans are usurious and predatory[/b] and many people have paid the principal and then some and still have high balances. Granted, some of this is due to the income-based repayment calculations and deferral. And lenders certainly are entitled to earn a return on the money they lend. But at some point the terms are truly horrific and [b]impossible for an 18 yo to understand.[/b] Less sympathy for loans taken for graduate schools leading to professional careers.[/quote] You've got the talking points down - but can you back them up? How are they usurious? What are the interest rates? What are the relevant usury laws? How are they predatory? How are they impossible for an 18 yo to understand? Are there other contracts 18 yos should not be able to enter into? Are you advocating raising the age of minority? [/quote]
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