Trends for the 1996 entry cohort show that cumulative default rates continue to rise between 12 and 20 years after initial entry. Applying these trends to the 2004 entry cohort suggests that nearly 40% may default on their student loans by 2023
http://www.zerohedge.com/news/2018-02-22/trump-admin-considering-student-loan-bankruptcy-options
Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.