I’m age 64 so I’ve seen a few things in my life. When I was in my early 20s, never heard of student loans. I have a cousin who when she was 18, got a minimum wage job and put herself through school. She had a high paying job in accounting when she finished school. I was talking to a friend who just retired from the education dept . She had something to do with the accounting / budget. The subject of student loans came up and I told her I was not in favor of them, since you don’t have to pay them back. What she said was not fair is people that applied for loans and was denied them. So why have student loans?