Blame the Obama Administration,on 2010 they took charge in the management of Student loan. Originally it was the private banks, that manages the Student loan, but when the Democrat step-in, and the Government control the student loans everything messed up. There is no solution not until after 2020 election, the Democrat rather focus to re-start Russian collusion investigation again. As long as the Democrat control the House, they will do everything to obstruct Trump. Dems next move is to impeached Trump because of his language…..Hawaii is a Democrat control State, there is no opposition party, the Democrat can just decide to increase student loan interest, car registrations, parking fees, add all kinds of fees on water, gasoline, electric, etc. No one can question them. There is no Republican to question them.That is the reason why Hawaii cost of living is one of the highest in the country.