this post was submitted on 08 Oct 2025
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I would say that I'm okay with having some rules and not just giving people carte blanche to blow through however many hundreds of thousands of dollars they can get in student loans.
But at the same time, I feel like there should be some checks and balances.
We should make debt forgiveness an attainable thing for everyone. I feel like that's not really a controversial statement.
Your art student, who maybe racked up $100k, they've been paying on it for ten years. Interest has caused it to become $115k.
Like, something is not right, right?
If you pay on a debt for ten years, the balance should go down, right?
I would say, carte blanche forgiveness for anyone, regardless of who they are or what has happened, if they make 10 years of the given payments. Not even 10 years successively, like 120 payments, the debt is paid.
That should be structured so that people are being told, "once you graduate college you will be paying $XXX per month for ten full years to pay this off."
For the people who are college educated, but unfortunately, for whatever reason, could not get a job that enabled them to pay the full amount of their student loans back, well, you know, that sucks for America.
But that is going to be the smaller portion of the total.
They're still going to make 120 payments.
They are still going to be financially burdened with paying for their education for a decade.
If you look ahead to the outcomes for the country, do that for 20 years, then the generation 20 years from now will be well-educated and aware of the risks of getting a college degree that maybe sounds fun but pays bupkis.
In the meantime we would have more people motivated and working hard to make those 120 payments.
We would ultimately recoup the grand majority of that trillion dollars within the next 10 years.
And after that 10 years has passed from the day that that law was signed into place, you would have 90 million employed people with a track history of paying 120 payments and a trillion dollars worth of debt.
Now those 90,000,000 people are free of the burden of their student loans and looking to buy houses and having better income and buying cars and revitalizing the economy with their extra spare cash to burn.
I think the real answer is to find ways to make state schools free (or with set affordable loan programs). That would provide massive pressure for private schools to lower there prices and hopefully have a deflationary effect.
Yeah, and private schools shouldn't have a problem with that because that would make their education elite tier by default.
Like I know a couple of law firms and some of them will not hire if you didn't graduate from one of the big four or from the top college in the state.
And if they have two applicants, and one graduated from the top college and the state, and the other graduated from one of the big four, like Yale, they're going to take the top four and I know that this is a very much a law specific thing that's fairly common, but I feel like a lot of other high paying jobs would be like that also.