Most Federal loans in the US are the same (at least they were when I took them out nearly 20 years ago, problem is you are only in school for 4 years.

Then you get a shit paying job for at least 5 or 10 years after that—maybe you’re motivated enough to seek a masters or PHD after that but most aren’t (for the implied benefit of higher earnings, nothing else). Coupled with the fact that the cost to attend any higher ed in the US is outrageously overpriced to begin with, wages are stagnant, cost of living is beyond unaffordable pretty much everywhere in the states…

It’s just another facet of the capitalist hell system we’ve saddled ourselves with and continue to just shrug off as if there’s no other way to do things.