Why student couldn't repay their loan?

International famous star, Chou Yun-fatt adviced the students in Hong Kong to study hard and spent wisely. He was asked to comments the student who failed to repay his loan. The student might be filed a bankruptcy petition by the Student Financial Assistance Agency.

My question to my fellow readers, why the students couldn't pay their loan? Are they wasted their money? May be their financial management is poor? How about the employment situation?

When people can't even get a decent job or even the wage cut due to the economic downturn, what do you expect they can get enough money to repay their loan? May be you can tell me about this