@markcassara: Student loans often feel like a scam due to their high interest rates, leading to substantial debt that can be hard to manage. Rising tuition costs contribute to this debt, and repayment plans are often rigid, lacking flexibility to accommodate borrowers' financial changes. Additionally, student loans typically cannot be discharged through bankruptcy, leaving borrowers stuck with their debt even in financial distress. The uncertain return on investment, where graduates may not secure well-paying jobs, further exacerbates the feeling that student loans are exploitative. Thoughts??