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Bear in mind not all student loans are identical, but your understanding is substantially correct. However the nature of student loans changed dramatically during the Obama administration so the two are extremely different animals. Before, typically the loans were handed out by private...

It would need to be optional of course. You can have your student debt forgiven in exchange for X national service, but if you'd rather pay it off the old-fashioned way that should still be acceptable.

One other oddity worth noting is that bankruptcy often improves your credit. No really. Most people who have their BK fall off their credit record are appalled to see their credit drop 40-50 points because they no longer have a Bankruptcy on it. Oddly enough you'll usually get a raft of...

This isn't entirely the case, though it's close Bear in mind Bankruptcy can be stupid complicated and rules change per every state and in some cases per every town, but usually you can keep 1 car (up to a certain limit of value, you're likely to keep a Volkswagen and unlikely to keep a Rolls...

There is now... but when I got my degree Windows 98 was new technology and I'm completely lost trying to do tech support on newer systems.

I feel for you. I got my college degree many years ago specializing in tech support... and graduated the same year the entire county outsources all their tech support to India. On the subject of the people taking the loans being adults, I agree but I have a bit of a caveat. If you buy a bad...