But part of why people get into so much debt I think is because many people are taught from a very young age to "follow your dreams" and that they're special, an exception to the rule. Sure 95% of those who get a PhD in the humanities never get a tenured position but this time it's different.
At what point do the people taking out loans in fields with limited earning potential and the parents who fan the flames of this delusion share some of the responsibility? You are not special [1].