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The fact is that The entire country lent him this money on the promise that he would offer something to society when he got out. He's not offering anything to society. If he was useful as a Psychology professional (which he obtained 3 degrees from an Ivy League college to prove), he would make enough money to be able to get by while paying back his student loans. His situation is the culmination of many bad decisions (going to an Ivy League school instead of a state college, Picking Psychology as a major without thinking about "what comes after?", etc. If he would have busted his ass through college and jumped through the hoops that led to a well paying job after he got out, everything would be fine.