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[–] RubberHammer 1 point 0 points (+1|-1) ago 

It's both but mostly the professors. The professors tell them about the injustices they are suffering and then use the loan as confirmation. Which is then re-enforced after they leave college because they obtained a degree which has no market skills. Since the school failed to teach them capitalism 101, they don't realize that a degree is worthless without actual skills and a degree valued by the market.