The education is out there, from school counsellors, to libraries, to the FAFSA itself. This is an issue with people being too lazy with their own futures to invest the time to educate themselves on the full ramifications of receiving loans. There is simply no excuse for this. Even a simply dictionary will tell you that loan is something you need to payback. Individuals should take it upon themselves to figure out how that will affect them and what they need to do to ensure they can pay the loan back.