yes, almost all 18 year old people are dumbasses. this isn't controversial or confusing. i know you're trying to insist on a false version of reality to attack my ego, but it's just not true. college loans are inherently predatory to young and inexperienced people, who, as a result, are in debt slavery. when entire generations of people experience this, you have a problem that is institutional, and it can't just be chalked up to inherent character flaws.
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