School Loans

are a horrible and unnatural beast ( as is credit in general), and they should be avoided if at all feasible.

But we are told "you need an education"! (an education which has roots in the tradition of training the children of the rich on the finer points of being properly rich)

we're also told we need a car loan, a home loan, a loan to cover the purchase of the engagement ring (that you need) and the wedding ring (that you need) the church, the dress, etc.

If you believe you need it, perhaps you do.

I have my doubts.