Alan Collinge Quotes
Moreover, An Archetype Exists In The Nation's Consciousness That Connects Student Loan Debt With Irresponsibility. This Is A Result Of Well-publicized Accounts Of Loan Defaults In Decades Past In Which Students Took Out Loans With No Intention Of Ever Paying Them Back And Simply Filed For Bankruptcy After Graduation. This Perception Was Sufficiently Strong That In The 1970s, Congress Was Convinced To Remove Bankruptcy Protections From Student Loans. However, According To A March 2007 Paper By John A. E. Pottow Of The University Of Michigan, This Perception Had A Fatal Flaw: "The Fatal Problem Is That There Are No Empirical Data To Buttress The Myth That Students Defraud Creditors Any More Than Other Debtors."1 In Fact, It Was Shown That When Student Loans Were Dischargeable In Bankruptcy, There Was A Less Than 1 Percent Bankruptcy Rate Among Student Debtors.2 Nevertheless, This Misconception Has Been So Often Repeated That It Is Now Indelibly Etched In The Public's Mind.
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