I agree with your assessment, but you don't take out loans for self-improvement. It's an investment, and, like most investments, the goal is to profit from it. The reason the elite sent their kids to school is because that knowledge better equipped them to be future leaders in our society (which made them a lot of money). That doesn't happen today. It's a glorified summer camp for kids who are indoctrinated into leftist ideology. I have never been so mad at a policy made by a President.

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