180,000 means they went to the wrong school. In state, all flying + room and board I ended up around 80,000 in debt after scholarships and financial aid. Almost all of those are lower interest subsidized loans. On captain pay at a regional I can pay back more aggressively and cut down the interest even further. 180,000 is not the norm, and you shouldn’t characterize the decision to go to college as bad just because some people go to the wrong school.

Also 11% interest is insane. They either didn’t try to get any financial aid or their parents are loaded.