I'm positive you don't follow. You also cannot find a simple compound interest calculator either. $10 a week at 3% is closer to $25k.
And check those 2-3% checking accounts and you will find a minimum balance requirement that most paycheck to paycheck people will not be able to keep. But go ahead and live in your half the information world telling people how to live their lives and not figure out why they get pissed at you.
As for your college response, i have to ask if you actually read anything i said? It seems like you ignored all of it in order to push some point i already discounted. Perhaps that is why people get pissed at you.
I did not say going into debt was the problem. I said later in life, you have responsibilities other than just yourself and when you are already working two jobs to raise a family, it can be impossible to take the time to go to school. There are only 168 hours in a week. When 80 or more are taken up working, getting to work, and getting ready for work, you don't have much time left for school even if you happen to be lucky enough that classes are available when you are not at work. But go ahead and suggest their kids can starve or live on the street because you declared that they can quit a job and go into debt for school. While your at it, see if they were told to act pissed off when you declare they can better their life. Oh, and BTW . I worked through college back in the 90s when you still could. I was in debt to the tune of only $5k in student loans (because I wanted a motorcycle) when I graduated.
People can work their way outb of these situations but it just isn't as simple as you want to make it seem. People do compound their problems all the time. Often by the time they realize it and want to make a change, it is extremely more difficultto do. If you are single and in your 20s, it is a lot easier than someone with kids working two jobs paycheck to paycheck.