The millienials can thank Hillary Clinton for student loan debt that cannot be discharged during bankruptcy, and will never age off credit reports. That was her brain child as FLOTUS. Why? Because it just really pissed her off that the "rich" were discharging student loans in bankruptcy, she felt it "unfair" to the poor. Well, that bit this generation in the ass nice and hard, and is also responsible for the predatory lending of student loan providers.