<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>hn_throwaway_99</author><text>Since it&amp;#x27;s nearly impossible now to discharge student loans in bankruptcy, lenders have 0 incentive to do any due diligence on borrowers. Quite the opposite, their only incentive is to get students to take out heaps of loans that will keep them in debt servitude for a lifetime. This is why you have cooking schools, where most jobs barely pay more than minimum wage, charging many 10s of thousands of dollars but all students can get loans.&lt;p&gt;If bankruptcy was a possibility lenders would be much more cautious about tuition rates and potential for a borrower to actually pay it back.</text><parent_chain><item><author>ericmcer</author><text>I’m totally opposed to predatory student loans, but your point seems kinda light on logic. If the number of student loans being discharged was “infinitesimally small” and we can assume prohibiting bankruptcy drove the number of delinquent loans down even lower, why are student loan repayments considered a huge issue?</text></item><item><author>thathndude</author><text>I am a consumer protection attorney who does work advocating for individuals with credit card and debit card disputes.&lt;p&gt;I’m pretty opposed to this change, even though it’s veiled in terms of fairness. The fact is, the banks and Visa are far too quick to deny disputes.&lt;p&gt;This reeks of all of the times that an industry foists some type of “protection“ on consumers to address some alleged abuse of the system.&lt;p&gt;For example, you used to be able to discharge student loans in bankruptcy. Then the industry made up a BS narrative that people were taking out tons of loans, getting their degrees, and then filing for bankruptcy em masse. It was a lie. The number of people who are filing for bankruptcy and getting student loans discharged was infinitesimally small. But that didn’t stop them from lobbying Congress for modifications that prohibit the discharge of student loans in bankruptcy. And, well, you know how the rest goes.&lt;p&gt;My point is, the alleged abuse is almost certainly a very small, or even, non-issue. But these changes will have dramatic, negative repercussions on a large swath of customers.</text></item></parent_chain></comment><story><title>Visa changes chargeback dispute program</title><url>https://usa.visa.com/visa-everywhere/blog/bdp/2022/06/15/what-every-merchant-1655330664445.html</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>Retric</author><text>Being unable to discharge a loan means you can offer them to people who you expect to go bankrupt.&lt;p&gt;Rather than trying to limit losses it’s an attempt to expand the industry.</text><parent_chain><item><author>ericmcer</author><text>I’m totally opposed to predatory student loans, but your point seems kinda light on logic. If the number of student loans being discharged was “infinitesimally small” and we can assume prohibiting bankruptcy drove the number of delinquent loans down even lower, why are student loan repayments considered a huge issue?</text></item><item><author>thathndude</author><text>I am a consumer protection attorney who does work advocating for individuals with credit card and debit card disputes.&lt;p&gt;I’m pretty opposed to this change, even though it’s veiled in terms of fairness. The fact is, the banks and Visa are far too quick to deny disputes.&lt;p&gt;This reeks of all of the times that an industry foists some type of “protection“ on consumers to address some alleged abuse of the system.&lt;p&gt;For example, you used to be able to discharge student loans in bankruptcy. Then the industry made up a BS narrative that people were taking out tons of loans, getting their degrees, and then filing for bankruptcy em masse. It was a lie. The number of people who are filing for bankruptcy and getting student loans discharged was infinitesimally small. But that didn’t stop them from lobbying Congress for modifications that prohibit the discharge of student loans in bankruptcy. And, well, you know how the rest goes.&lt;p&gt;My point is, the alleged abuse is almost certainly a very small, or even, non-issue. But these changes will have dramatic, negative repercussions on a large swath of customers.</text></item></parent_chain></comment><story><title>Visa changes chargeback dispute program</title><url>https://usa.visa.com/visa-everywhere/blog/bdp/2022/06/15/what-every-merchant-1655330664445.html</url></story>