The game is constantly being rigged against us, now more than a few employers require a credit check and will deny you employment if it's less than stellar. What are you suppose to do exactly? You won't qualify for students loans, thus can't go to college or even trade school. Even if you manage the student debt negatively impacts your credit score. You basicly have to go in to kindergarten with a mind set of get scholarships and master a marketable skill before graduating. Kids aren't exactly aware what's best for them, It's at the point where if you want a life just above mediocrity, you got grind from day 1, the hell kind of life is that?