"There is an old saying – “A ship in the harbor is safe but that’s not what ships are for.”
By the very nature of what they do, emergency responders run toward risk. Their primary purpose is to either eliminate the danger or…"
"Several thoughts on student lons:
1) There is a multi-faceted bias pushing students to get them when they are, in many cases ill-advised. Forces that "bias" kids include loan companies who want to offer the loans - societal/peer/parental…"