No, I just think that the majority of students in the US are taking unnecessary loans during undergrad. Either going to the expensive school, buying a nice car, eating out a lot, not workin part time during undergrad, not applying for scholarships etc. The people I know that take the bus to school, pack a lunch, and go to their cheapest option take minimal loans if any. There are ways to reduce the cost of your undergrad degree. I still stand that 20k of loans per year for undergrad is way too much and anyone taking that much isn’t being responsible.