<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>koffiezet</author><text>As a Belgian: student debt? What&amp;#x27;s that?&lt;p&gt;Seriously. The first time I heard about this concept was when I was well in my 20&amp;#x27;s about a guy in the UK.&lt;p&gt;It boggles my mind why anyone would think it&amp;#x27;s a good idea to put people that early in their lives in debt.</text><parent_chain><item><author>systemtest</author><text>From a Dutch point of view, would you save money by mimicking our University system? So no sports, no stadiums, no (or less) scholarships, privatise fraternities, privatise dorms, privatise cafeteria, privatise extracurricular activities, six-figure cap on income for all staff. We have a projected average student debt of only €21,000 which I believe is less than US students.</text></item><item><author>clarkmoody</author><text>The non-dischargeability of student loan debt is the linchpin of the higher education bubble.&lt;p&gt;Let&amp;#x27;s play out a causal chain:&lt;p&gt;1. If it becomes possible to get out of student debt through bankruptcy, then there must be additional collateral posted by the debtors.&lt;p&gt;2. This will cause fewer loans to be made, which will reduce the available pool of money sloshing into higher ed.&lt;p&gt;3. Enrollment and revenues will fall, forcing universities to:&lt;p&gt;a. Fight for some other form of government-ensured revenue stream (beyond the funds that state schools already receive). Get the popcorn out for this political rhetoric.&lt;p&gt;b. Reduce scope and conserve the more limited funds coming in the door. This probably starts with eliminating the endless program offices and initiatives that serve to swell the ranks of non-teaching staff.&lt;p&gt;c. Compete on price and return on investment by improving quality and employment rates of graduates.</text></item></parent_chain></comment><story><title>Judge rules that student loan debt is dischargeable in bankruptcy</title><url>https://finance.yahoo.com/news/student-loans-discharged-in-bankruptcy-kevin-rosenberg-190151284.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>VoidWhisperer</author><text>The issue with removing scholarships is that there are some groups of people that would preclude from being able to seek higher education at all - There are plenty of people in the US who absolutely cannot afford college without taking on loans or scholarships, and in many cases they may require the scholarships if they are unable to get the loans that they need (IE they have extremely bad credit).&lt;p&gt;Also, random side tangent, but I doubt you&amp;#x27;d be able to convince America to get rid of college sports, it is too big of a thing here..</text><parent_chain><item><author>systemtest</author><text>From a Dutch point of view, would you save money by mimicking our University system? So no sports, no stadiums, no (or less) scholarships, privatise fraternities, privatise dorms, privatise cafeteria, privatise extracurricular activities, six-figure cap on income for all staff. We have a projected average student debt of only €21,000 which I believe is less than US students.</text></item><item><author>clarkmoody</author><text>The non-dischargeability of student loan debt is the linchpin of the higher education bubble.&lt;p&gt;Let&amp;#x27;s play out a causal chain:&lt;p&gt;1. If it becomes possible to get out of student debt through bankruptcy, then there must be additional collateral posted by the debtors.&lt;p&gt;2. This will cause fewer loans to be made, which will reduce the available pool of money sloshing into higher ed.&lt;p&gt;3. Enrollment and revenues will fall, forcing universities to:&lt;p&gt;a. Fight for some other form of government-ensured revenue stream (beyond the funds that state schools already receive). Get the popcorn out for this political rhetoric.&lt;p&gt;b. Reduce scope and conserve the more limited funds coming in the door. This probably starts with eliminating the endless program offices and initiatives that serve to swell the ranks of non-teaching staff.&lt;p&gt;c. Compete on price and return on investment by improving quality and employment rates of graduates.</text></item></parent_chain></comment><story><title>Judge rules that student loan debt is dischargeable in bankruptcy</title><url>https://finance.yahoo.com/news/student-loans-discharged-in-bankruptcy-kevin-rosenberg-190151284.html</url></story>