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And that shit exists in the Philippines but is at least 100x worse. You likely don't understand because you've never been to a place like that.
And note: Philippines is actually a lot better than other countries as well. Truly 3rd world countries like Congo care even less about their citizens. Such states are closer to something like a Civil War or maybe even Crime-lord / Mafia ring, where militia get military weapons from Russia or something and no one cares to listen to the official government anymore because the literal crime lords have more physical power.
USA has one of the best bankruptcy laws meaning debt isn't actually punishing here. There's at least schools in existence here... free schools mind you... and everyone's allowed. There's no segregation system or class system anymore so everyone (including women) are allowed to go through the public school system. Etc. etc. etc.
If you ever get into significant debt that you can't pay it off? File for bankruptcy protection. That's why the law exists, to prevent debts from becoming overly burdensome. That's why so many citizens can enter deep debts, because we have a forgiveness system that few other countries even have.
The reason why student-loan debt gets so much attention btw, is because student loan debt is the one and only debt that cannot be protected during bankruptcy-protection.
Dude. No one said the US is worse than the Philippines. But the US is still not fine.
This is literally a topic about poor, destabilized countries.
The Philippines is far more on-topic than USA here. Philippines in fact might be too rich / developing compared to many even worse-off countries.