帕特里克·达菲将共有产权计划描述为"混乱且复杂"。
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国家消费者法律中心的律师凯拉·泰勒表示：“教育部已经发布了一系列令人眼花缭乱的规则变更，使得借款人更难弄清楚他们在联邦学生贷款上的选择。”她警告说，贷款催收中的任何错误都会对家庭造成“毁灭性影响”。
"Everything else became silent. My focus narrowed entirely. The surroundings seemed to dissolve," she recounted. "He was the only thing in my sight; everything else vanished."