The girl doesn't blame her mother, she blames the University and the bank. There is NOWHERE where she blames herself.

The other quotes that you took out of context do not refer to her personal choices, but rather, form part of the article's indictment of the debt - the decisions were based more on "emotion than reason" because the bank was "gouging" her and the university was just taking her money.

For the record, columns are articles. They just don't need to aspire to a lack of bias.