Feeling guilty, at all?
"..., 44, a first-generation college student, enrolled at the University of Phoenix in ... because she viewed higher education as a pathway out of her $12-an-hour service job. She was drawn in by the school’s online programs for working adults and ads promoting its career-placement services....Though she was reluctant to take on more debt, career counselors urged her to pursue an M.B.A. She said she was told that it would increase her earning power, and that the school had partnerships with major employers that gave its graduates hiring preference....But once again, her job hunt was fruitless. ..., who lives on the outskirts of ..., now earns $16 an hour working in hospitality and owes the government $126,000 in student loans more than a decade after she first enrolled at Phoenix. The debt has prevented her and her husband from being approved for a mortgage to buy a house."
https://www.nytimes.com/2022/09/18/business/biden-loans-for-profit-colleges.html