University of Pittsburgh candidates for graduation line up to receive their diplomas during the graduation ceremony for the Kenneth P. Dietrich School of Arts and Sciences and the School of General Studies at PNC Park in Pittsburgh, May 4, 2021.(Gene J. Puskar/AP) The envelopes started arriving in the spring of my son’s first year in college: Citizens Bank, Wells Fargo, Sallie Mae. “Find Your Perfect Student Loan!” proclaims one — as if there is such a thing — or “Know They’re Covered from Orientation Until Graduation ... ” They do not mention what happens after graduation....