It was the CitiAssist.

It had to be a private student loan because my parents made slightly over the max to qualify to public loans even though they refused to pay for school. That left me with loans with insane interest rates. Most of what I had to borrow was to cover $150k to pay rent in the college town I lived in while attending school.

Then, Joe Biden wrote the bankruptcy protection bill, making it impossible for students to disburse their student loans in bankruptcy two years after I graduated. They also refused to allow me to consolidate 8 loans which all had monthly payments that were each intentionally calculated as if it was the only loan I had to pay. Then my loans got bought and moved around and are now owned by Trellis. There’s a lot more to it as well. Housing and healthcare plays a HUGE part.

TLDR; hyper-commodification of basic human needs like education, housing, healthcare, and food coupled with legislation that sentences those that can’t pay their feudal lord up front to a lifetime of serfdom. (Not to mention my union wages barely keeping pace with inflation).