i'm about to start school and I don't need a loan but I've been getting millions of email saying "school is about to start remember that if you don't pay ur tuition in time you wont be able to attend, get a loan and never worry about it " even tho the loan has an interest rate of 18% compound and will keep u enslaved for a good part of your life if not all of it. Why do loan companies approach student that never requested loan information appealing to fear, targeting young adults, which lets be honest month young adults don't make the math of how long will it take to pay off a 180k at a 18% compound interest rate. this to me is predatory but that do you think?