As harsh as this may sound, she is not that smart, and the whole article reads like an implementation of natural selection with respect to personal finance.

Sure, it is debatable that cost of U.S education is too high and loan companies are predatory. But, her case is not one that is emphasizing either of those problems.

She chose really expensive education options that wouldn't lead to a reasonable return, especially ones she could not afford, and didn't read the papers she was signing, and chose to top it off with another loan when she realized the earlier one was bad. After all of these, the article pleads sympathy from readers trying to shift the blame.