WELL THERE IS THAT:  If not paying for debts is selfish, some people need to pay my credit card bills.

However, note that most universities (or maybe half, say) are now scam machines, and that kids, listening to their elders, walked into these traps. Personally I think it should be taken from universities.  I.e. salt the Earth, etc.
Btw, Tilting at wind mills is running a subscription sale for instapundit readers.