Here's agoodruleofthumb: If your total student loan debt exceeds the amount you expect to earn in your first year out of school, you're borrowing too much.
This may be tangential to the broader questions this whole affair has rustled up but I think that shooting uphill is agoodruleofthumb, whether or not you face legal threats.
Often we accept people into our social networks by extension of trust, i.e. a friend ofa friend, so agoodruleofthumb might be to question how well you really know a person before accepting a new friend request.