A 3rd thing you forgot to mention People will take a loan and study a carriers that dont pay enough for them to be able to pay back. Meaning people will not study the market when they ask for a loan. If you need such a big loan you better be sure that you are going to be anle to pay it back. How much money do people make right out if collage from the profession Im intented to study? Not enough? Then its nit a good invesment of time and money....