Don Heller nails it in this Washington Post op-ed, my favorite quote:
It is not uncommon to read stories about college students who say, “I woke up one day and realized I had $50,000 in outstanding student loans and had no idea how I got there.” And yet nobody would accept at face value someone stating, “I woke up one day driving a Mercedes and had no idea how I was $50,000 in debt.”