That is a pretty funny quote. It doesn't take a team to figure out that people need transportation, shelter, food, and warmth. All of those things will be put above loan payments.

Once his deferment expires, he isn’t sure if he will feel obliged to pay down his loan. “They promised me everything,” he said of his for-profit college. “And I honestly have nothing to show for it except a piece of paper that doesn’t really do me any good.”

Well, that is honestly the issue with the current education system. They promise that everyone will be making a lot of money, but that is not how it works. Not everyone can make a ton of money with the degrees that they have picked. And if they pick something minor or obscure, it raises the level of risk that they took.