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No, you shouldn't be able to default on them but there should be allowances on interest rates and the length of time it takes to pay them back (based on the amount of income the person is making out of school).
I would say there should also be considerations for vocations such as teachers and doctors when there are shortages.
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"My hands are on fire. Hands are on fire. Ain't got no more time for all you charlatans and liars."
- Old Man Luedecke
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