Ethan R. Okura
Hawai‘i Herald Columnist

Sometimes you can do everything right, but still have everything go horribly wrong. Sometimes you do nothing at all and still have everything go very wrong.

In the United States, you are innocent until proven guilty, except when it comes to fraudulent student loans that are taken out in your name. In that case, you are required to prove your innocence at your own expense or suffer the consequences. This is an area of the law that needs to be changed and improved, because in nearly all cases, you can’t even escape student loan debt by filing for bankruptcy.

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