I’m sitting next to a marketing lead for a student loan program with a major bank. She explained how there is a lot of education about what student loans entail before you get into one. “It’s their responsibility,” she points out. “They sign for it.”

That’s how the societal problems of income and educational inequality and of unregulated educational institutions get translated into individual responsibility–by a very nice lady, who just happens to make a living from selling indenture as effectively as possible.