Stephan:   If you are 18-30, as I have been told over and over, student debt is a major life distorting factor in your life, and it can continue into your 40s. This article is too polemic, but it accurately spells out the issues involved. It isn't clear to me yet whether this will lead to civil strife, but there is no question it is an issue great significance to a very large part of our population, which explains its appearance in the President's State of the Union