I disagree. I have worked in financial aid for over 6 years and I cannot tell you how many times I have told a student to borrow wisely and to borrow what you need to cover tuition and books. All I get is a blank stare. Also, students are given their awards BEFORE they start classes and given the option to cancel at any point. They are bound by the loan. Students receive awards in May and they are allowed to choose which school to go to based on what aid is available. We do not force a student’s hand. Would I love to see the day when we don’t have to give the OPTION of a loan to a student? Yes, of course, but in the times we are living in it is not possible and I work at a state school where tuition is not high in comparison to all the private schools. You may think that no one is there to give out information, but guess what there is a whole department dedicated to informing students on federal aid. We hold presentations, give out literature, and have ALL students are required to complete an entrance counseling to even get the loan. So unless you just casually looked for answers in the text of the counseling to get it over with. You should have been well informed on what your loans entailed. There is also an exit counseling all students go through that reiterate the criteria of their federal aid. So the information is there, most people are just too lazy to read it. Take your blame somewhere else.