Id say the game is rigged from the get go. Between age 18-21 we say that people are not responsible enough to even buy alcohol, but apparently they are responsible enough to sign up for loans that take decades if ever to pay off. Then on top of it weve made the loans impossible to discharge under any circumstances _and_ we have an entire system that tells children their entire life that you go to college or you will have a terrible life. How is any of this not rigging the system?