John Smith
I think encouragement of youngsters to take on significant levels of debt, in a career where your future is very uncertain, purely for personal profit is unscrupulous. In fact it almost defines unscrupulous. What happens when interest rates go from less than 1% to more than 10%. Answer a lot of bankrupt Young F/O's.
The FTO's also discourage their prospective customers from listening to the advice of people who have been through the process.