We'll agree to disagree on who would be worse for the country. I'm not sure how many more manufactured scandals there can be.
As for predatory loans, thank Obama's admin. They got the government involved and loans have skyrocketed.
Unlike Obama, his age is a significant factor. So is his VP. Most everyone knows that Kammy will be President sooner than later. Which presents the conundrum of dumping her and losing the black vote or keeping her and losing votes all over.