Even for 18 year olds with an inclination to think it&#x27;s all bullshit-- nobody will ever present you with an alternate viable path.  It&#x27;s always &quot;You don&#x27;t want to end up a loser right? Sign here...&quot; and next thing you know the creditors are calling looking for their $X0,000.<p>Classic peer pressure techniques apparently count as sagely advice when coming from high school guidance counselors