It left responsible community banks to compete with non-banks and other non-bank institutions in an unlevel playing field, often irresponsible and often unregulated competitors.

WHITEHOUSE: Press Briefing

Too often the blame is placed on students' irresponsible spending habits, but I cannot help but feel that college administrators and corporate parties share some of the culpability as well.

CNN: Your e-mails: Students paying off the past

For every irresponsible borrower there is a reckless lender (often a German bank).

ECONOMIST: Charlemagne