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Do you think that everyone should go to college? If so, can you write a check to pay for tuition and college expenses? If you can't write a check, and you don't have scholarship money, then you are probably going to be a student loan borrower.

Like most people, you probably think that student loans are like all other financial products. They are not. Student loans are not subject to normal consumer protections. If you get in over your head you can't go to bankruptcy court to discharge your loan. And if you default, your tax refunds, government disability pay, or social security payments can be garnished administratively. That means the government doesn't have to sue you to take part of your money to pay this debt.

The student loan crisis occurs in the context of people buying more education than they could afford and borrowing for it. If you are buying a car, you don't buy a Mercedes if all you can afford is a Chevy. But we don't think that way when it comes to education. Affordability is the last question that gets asked.

After reading What You Don’t Know About Student Loans Could Hurt You, you will know that the first question you should ask is "how much can I afford". And if you have already bought college, and are now trying to pay back your college debt, this book will tell you about innovative government programs that will allow you a better way to pay back your debt, so that you can pay for your life, not just your student loans.

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