Here is what the base of the next big financial crisis will be...it will be students like me who borrowed $30k and then graduated at the start of the great recession - and then were encouraged to use forbearance on their student loans while they struggled to find their feet under them, start families, and pay for modern requirements like cell phones, internet, insurance (car and health and home), and deal with the seemingly invisible (to the government) steeply rising cost of living in virtually every area.