I'm sorry, but this is just stupid

I've seen a couple of these ads floating around ad blogs in the past week. The other version has a man and a woman in it. Nobody seems to say whether they think they are good or bad, so I will.

They are awful. Stupid. Pathetic. Moronic. Need I go on?

With all the ways you could advertise student loans, this is the best you could come up with?

No wonder people feel insulted by advertising.

I don't know who did it, but just about everybody I know would have done a far better job.

And to think somebody got paid real money for this. Probably more than the people who did the ad in the previous post.