<prompt> Human: No one will cosign her future loans cause she got a 2.3 GPA her first semester and 1.8 her second...and shes looking to get personal loans. Me and my mom think its an awful idea and she should do a local community college or something else less expensive. She thinks she can manage as a 19yo with a job at a movie theatre making her payments. How far in debt are you guys with college? What are your payment plans? Pretending she somehow manages a loan and passes with average grades, how can she handle 100k in debt? Thanks. I have my MA but I never got in debt cause I got full scholarships as a smarty pants, so I dont know how these loans work for younger people.  <response>: the system is broken...she should never have access to another loan 