Well maybe if the subject of Finance was taught in highschools as a mandatory credit, rather than worrying about black history month or worrying about some of the other useless subjects that they force the students to take, maybe some of these students would know what debt is. I recently lectured a college class on personal finance to find that none of them have a clue on how to buy a car, a house or manage credit card debt and the most surprising of all...none of them knew how to manage a checkbook. I think that is very important...more so than some of this other crap they teach in schools to increase hatred.