A bank won’t approve a $1,000,000 mortgage for someone making $100k a year. A dealership won’t finance a $75,000 car for someone earning $35k. But an 18 year old can take on $250,000 in student debt for a degree that leads to a $40,000 salary. No credit check. No income verification. No reality check. We let kids who can’t rent a car make six figure financial commitments that can follow them for decades. Then we ask why so many young adults struggle to get ahead. The bank protects its money. The dealership protects its money. The university gets paid. And the student gets the debt.