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Lenders need to do a better job of underwriting student loans. Most students don't have a credit history, so the bank should look at their major and set the interest rate accordingly.

Has anyone used the token device from TOS? Any problems?

This is called the Forer effect http://skepdic.com/forer.html

You think the military is there to protect a "free economy"? Why arent Iceland and Norway there, they have free economies too? Why didn't terrorists try to crash planes into buildings in those countries? I'd say it's because they don't have bullyist policies that piss of Muslims everywhere ...

Kiss your $2000 goodbye. With the way they're issuing stock and new debt, your shares will eventually be diluted to $0.