Rather than looking to the government to bail out the victims of the mortgage crisis, or pointing fingers at alleged "predatory lenders", perhaps we need to adopt a more long-term perspective in determining the root causes of the so-called mortgage meltdown and in ensuring that it doesn't happen again in the near future. Perhaps we need to turn our thoughts to establishing mandatory financial and credit education curriculum requirements for our youth. The fault for the mortgage crisis clearly rests on the shoulders of those who chose to take out high interest loans that had no business doing so. This financial immaturity has deprived thousands, if not millions, of families from taking out a mortgage loan in the future due to the foreclosure looming on their credit reports.

With the institution of a credit education curriculum that enlightens the minds of the students regarding all things credit (especially mortgages), we empower future generations with the wisdom that we clearly lack in ours. By taking time out today to educate the leaders of tomorrow, we will see the rise of a new breed of Americans; the financially savvy and independent consumer who doesn't need the government to protect him from predatory lending, because he's already smart enough to identify such dangers on his own. In addition to preventing the so-called mortgage meltdown from reoccurring, an increase in the financial education of our citizenry would also lead to lower overall credit card debt, a plague that has been afflicting our nation since the plastic instruments were first introduced in 1950's. This lower debt would, in turn, increase feelings of self-confidence and independence throughout the United States, something that the founding fathers would likely approve of if they were present in this day and age.

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