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Unpopular opinion: the destruction of value is convincing the student to attend their institution, not the financing discussion. It would destroy the same amount of value if bankrolled by student’s rich Aunt Milly.
Debt (& especially student debt) seems to have some significant productivity knock-on effects, though? Impact re: e.g. mental health/suicidality, ability to find work/housing (with poor credit), licensure within the field in which you've studied (often not possible in default)
