<prompt> Human: Have you seen this image floating around Facebook? Yes, student loans and higher education tuition are pretty criminal in their charges, but I feel like this image is exaggerating in some areas. Whats wrong or right with these statements and how can a person mitigate the issues presented here?  <response>: Ive seen this image the resulting comments a few times.Anyone who points out the obvious that person is only paying the bare minimum at 118month while interest rates are obviously higher than the minimum payments gets blasted because common sense has no place in internet arguments. 