Avoiding Student Loan Default

In New York Times an article was publish on September 22nd, "Avoiding Student Loan Default". Just looking at the title made me think that this is something I should be worried about as a student. This article seems to attack all the people who are still in process of paying off their loans and people who are planning on getting loans to pay for college and other needs. Students nowadays make loans a priority and that its easy money to get that they don't have to worry about paying for a long time, but that's not the case.
Loans can be a lot more painful when it's time to pay them off than it looks. It has ruined credit histories of a lot of people and it seems like that the rate is just growing. I completely agree with Andrew Martin who puts pressure on government to put some more effort to aware students about loans and the negative side of it as well. He said that people who have fallen 12 months or more behind in making payments have been put in default.
Now the people who have been put in default, Are they 100% at fault? I completely agree with the author over this that no the payers aren't completely responsible for this. He states " they often fail to explain that the borrowers can avoid default by signing up for more affordable payment plans" which leads the borrowers to bad credit histories, even higher loan balances through penalties, and debt collectors who garnish their wages for the overdue amounts.
The borrowers are mostly terrified by paying the most they can as quickly as possible. They are not provided with better payment plans that could help them pay off their debts easier and quicker and help them stay away from being put in default.
Loans are there for students to start college and have a great future but if they are not provided with enough methods of paying their debts, they are automatically in a lot of trouble and all the hard work just goes to waste and they are end up with bad credit histories which ruins their whole career.