The reason why student debt is basically unheard of in Denmark since college is free (although to make that happen, the Danish government poses high taxation towards citizens like they do in order to maintain stable social security nets like subsidised healthcare and public housing, also why they have less homelessness).
Mainly Danish, Swiss and European citizens are eligible to study without stressing over student debt upon graduation. It stems from this: Danish government is more on for the people while American government is more on caring about themselves plus nepotism on the side (MORE & HIGHER TAXES TOO ON TOP OF THAT).


For any question about “why is this extra bad in the United States?”, racism is probably a big factor. There’s a book “Dying of Whiteness” that’s pretty horrifying. Some people would literally rather suffer and die personally than let black people have nice things.
It’s not the only factor, but it’s a big one.
Pick an issue in the US and it’s probably because of xenophobia of some flavor (racism, bigotry, etc) or money. Often both.
For the epstein class it’s only ever about money - they make up the racism/bigotry to get poor people to support their grift.
Not to say they aren’t racist/bigoted, but to them, it’s just a tool to get the money.
The other is rampant corruption, look at student loans right now, even federal. The amount of corruption, cruelty in the system is staggering.
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