I'm pretty sure I will always find it weird when you call somebody else condescending. If your default tone can be described as condescending that is how people will respond to you and I'm a little surprised you aren't used to it by now.

The problems you are talking about are related to crappy public transportation and expensive healthcare, not student debt. If people finish school with $8 900 in debt they likely dropped out or got a useless diploma from a private college. Sure that isn't a small amount to everybody but relative to what others spend on tuition it's very small. Even if they didn't have student debt to pay for the public transportation would still be garbage, healthcare would still be too expensive and they would still be struggling to keep their heads above water.

What's fair to say is that I certainly didn't understand just how bad things are in American, because 1) I don't live there and 2) for every person who tells you how bad things are 3 more downplay the hell out of it. I have no desire to pretend like everybody who is poor is merely bad with money but I don't see the point in ignoring that we don't teach people anything about personal finance either. We also don't teach people to take out student loans unless they are sure they will actually pay off. I know somebody now who's in her third program because she has no idea what she wants to do but as long as she keeps studying interest wont start accumulating. She actually received grants to pay the tuition every year and the loans where for living expenses. Nobody teaches young people anything about this shit and instead just tells them they have to do it. We actually help many people go to school without accumulating to much debt where I live and we still have a problem of young people accumulating useless debt.

I'm not saying opinions on the internet are invalid, what I'm saying is that I'm not going to completely abandon an opinion that many people just need help figuring out personal finance because other people have different experiences. That doesn't override what I see from a lot of people who would have been helped a lot by a simple finance class in high school. What I will admit is that on top of this issue America has A LOT of other issues which I wasn't aware of to work on whereas that's not such a problem where I live.