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In the last decade, Wisconsin has cut back sharply on funding its state university system.

In 2003, students paid about 30 percent of the University of Wisconsin system’s total educational cost, according to data compiled by the State Higher Education Executive Officers Association.

Once in place, the privatized student loan industry has largely succeeded in preserving its status in Washington.

And in one of the industry’s greatest lobbying triumphs, student loans can no longer be discharged in bankruptcy, except in rare cases.

Her job, which paid about an hour, was to engage with the borrower, stick to the script—and try to get some money out of people who were delinquent on student loans.

At the massive call center in Harrisburg, Pa., Suren felt like she was working for the enemy.

But no matter what else was going on at the outpost, once a month he says he went to the wooden shack where the unit kept a laptop computer and made his online student loan payment of 0.

“I can’t plan for an actual future.” One of the beneficiaries in the profit spree behind this debt is the federal government.

Other calls were heartbreaking; borrowers would say they or their children were terminally ill.

Whatever their story, Suren says she’d have to tell borrowers what would happen if they didn’t pay: American Education Services, a loan servicing company, could take their tax refund and garnish their wages.

By 2013, after several rounds of state budget cuts, students were responsible for about 47 percent, and more state cuts to higher education are expected.

By 2014, 70 percent of Wisconsin students graduated with debt—the third-highest percentage in the nation for students at public and nonprofit colleges, according to the nonprofit Institute for College Access & Success, or TICAS. After World War II, the states appropriated more and more funds for public higher education, and by 1975, they were contributing 58 percent of the total cost.

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The calculus for students and their families had changed drastically, with little notice.

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