You are disingenuous, I have seen plenty of comments on HN that say you should take on $100k/year degrees and be allowed to go in that much debt even if you are poor and have no prospects of ever paying it back. There are actually people on this planet who think this is normal and should be encouraged. I'm not one of them.
I'm not compelled to defend random HN comments, especially ones that don't have any particular basis in reality. The overwhelming majority of US undergraduates pay a tiny fraction of that for their entire undergraduate career.
