<p>chochu - I see what you mean....but what is the international's incentive to take out these loans - if you are saying your only choices are to return home and not being able to earn enough against the exchange rate to pay them off, or to stay in US and work a minimum-wage job and, again, be overwhelmed by the debt. Am I mistaken, or do internationals not have to show some means of being able to pay a substantial part of their expenses in order to get a student visa?</p>