The financial industry failed to disclose that student loans come with no consumer protections and will remain that way for life. They are not dischargeable in bankruptcy court, and if unpaid, the balance due will continue to escalate until they proceed with a garnishment of SSI or SSD.
To collect college debt, predatory creditors garnish wages and deduct from Social Security and disability payments. The Justice Department actually prosecutes the bankrupt -- even though borrowers in default are charged two and three times what they borrowed because of bogus fees and penalties and compounded interest, making the money mathematically impossible to pay.