no one actually good at math is going to become a K-5 teacher, they’re gonna get paid, so it creates a doom loop where each new generation of primary school teachers get progressively shittier at math.
i have literally witnessed students in a senior level discrete math class struggle with simple algebraic operations. they were on the math education track.
They are not complicated. Compound interest is middle school arithmetic. Too bad the public schools are inept at teaching math.
I received a modest tuition loan when I went to college. There was no mystery about it. I made the payments after I graduated, and paid it off.