This makes a lot of sense because education has become more of a demand in recent years. You used to be able to live a decent life with a your GED. Now an associates is required for minimum wage jobs. And the United States doesn't make it easy either. Transactions run the United States capitalistic economy. With that comes credit and debt, which run an individuals life. And if either of those are in jeopardy, your life is very hard to live. you cant get a home, a car, open a business, etc. You become less reliable in the eyes of employers, banks, etc.