Here's an example of why the NYT is, at best, lining for bird cages: Yes, and, predictably, the NYT downplays personal responsibility in favor of "blameing" colleges: Later in the article NYT blames Citi Bank for lending money when the credit was already bad. Still later, buried on the second page, we finally learn what the REAL PROBLEM IS: Why Ms Munna cannot repay the loan? Ms Munna has a degree in what amounts to Underwater Basketweaving: She fucked off studying worthless bullshit for YEARS on the public dime, now cannot understand why she owes so much money? Hey, I have an idea: Join the Army, and payoff your fucking loan, you lazy bitch. The NYT omits this "Option."