That's how the Banksters get their claws in your children as soon as they are old enough to vote. The credit card debt they use to get by while paying off their loans also may not be discharged in bankruptcy thanks to Bush's 2005 rule changes.
I have a cushy job for you. You will be the fund manager of a mutual fund. Its benchmark index is the S&P 500. All you have to do is beat that index and you will be handsomely rewarded. How difficult can this be?