Sure, you might not like ISAs, but that's not the point. You signed an agreement. The agreement itself is not illegal. If you don't like it, why did you sign it?
Like, what's the expectation here? That you should be able to get a coding education for free? Even if you got a job unrelated to programming, how does that excuse you from needing to pay for tuition for courses you already completed?
Weren’t they vastly misselling their success rate? They said sign this agreement, we offer 9X% rate of success! Then it turned out to not be the case. TFA:
> Most students weren't hired. What little money the school made came from quietly reselling student debt to hedge funds.
Isn't every VC-funded startup overly optimistic? I've seen pitch decks before where founders promise 10x growth over the next 2 years to an impossible projected revenue. It is obviously not going to happen, and indeed did not. Should those founders be criminally charged as well?
I think you can also make an argument that data provided to entice you into the loan turned out to be misrepresented at best, or a full out lie at worst.
I do agree with accountability on debts you sign up for, including student loans.
When I was doing my undergrad, the university published statistics saying something to the tune of "the average engineering graduate goes on to earn a $60k salary at their first job."
If only I knew at the time I could have simply taken the university to court because my starting salary out of school was $55k.
If paying your student loans was contingent on you making $60k, you made $55k, and they came knocking at your door demanding money yes I do think you have grounds to sue and not pay them.
I don't care one iota about the legal minutiae that says they're technically allowed to collect, it is blatantly obvious what the students thought they were signing and so it's really hard to argue "no actually they agreed to <this other thing>." If you present paperwork that you say is the legalese version of the agreement you discussed, have the other party sign it on that basis, and then it isn't that is the lowest hanging fruit of contracts that should be thrown out.
Sure, you might not like ISAs, but that's not the point. You signed an agreement. The agreement itself is not illegal. If you don't like it, why did you sign it?
Like, what's the expectation here? That you should be able to get a coding education for free? Even if you got a job unrelated to programming, how does that excuse you from needing to pay for tuition for courses you already completed?