"To use an analogy, getting a student loan is like entering the sand trap of an ant lion.

The ant lion digs a depression in the sand and waits at the bottom for unsuspecting ants. An ant enters the mouth of the depression and the further downward the ant travels, the greater his peril becomes.

When he is within range, the ant lion starts flinging sand at him to knock him down; the ant struggles to escape, but for most ants, it is already too late. "