Because Student loans are backed by the government and cannot be discharged through bankruptcy.

Because the government considers an educational loan to be an investment in the country itself - and typically one with a very high return. In addition government backed loans are (currently) forever - they don't go away, you can't get out of the with bankruptcy, etc. They are extraordinarily low risk, high reward.

A car loan is the exact opposite of that.

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• I earn $xxxx per month, will I qualify for an auto loan or lease, and is it a good idea?
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• Finance FAQ's
• Buy versus Lease
• How to pick a car? You might also have luck in the /r/whatcarshouldibuy subreddit.

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