<p>Are private loans from Citibank, etc easy to get - even with OK or unestablished credit and no co-signer (in my 30s and looking to go back to school)? I’d be willing to take on the debt, even at a higher rate, to make my dreams come true.
Despite the dangers of loan debt (I agree, they are there), don’t forget for the motivated student it is well worth it to take on the long-term debt in return for making one’s dream-life come true and adding 1- 1.5 million to your earned income over your lifespan (no college degree vs college degree lifetime income-earning differential).</p>