The Fact That It's Unreasonable to Expect 18 Year Olds

The fact that it's unreasonable to expect 18 year olds to understand the contracts they sign even if they read them is an example of what?

A) How students don't understand the information they're currently given
B) A reason why it would be morally permissible for a student to forgo a loan payment
C) A reason why it would be morally permissible for a student to forgo a loan payment.
D) How students aren't given proper information
E) The fact that students don't have a meaningful choice of whether to take out loans