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It seems like this is just another way to do the same thing though except with more paperwork required by those seeking relief.
What good does it do to effectively make borrowers pay with their time when the government already knows who should be entitled to that relief?
Moreover, it wasn't blanket student loan forgiveness in the EO. The recipients include:
Borrowers with Income-Driven Repayment Plans: The administration proposed changes to income-driven repayment plans to make them more generous. These changes could result in lower monthly payments for borrowers and eventual forgiveness after 20-25 years of qualifying payments.
Public Service Loan Forgiveness (PSLF) Program Participants: The Biden administration temporarily relaxed the requirements for the PSLF program, allowing more types of payments and loans to qualify. This program is designed for individuals who work in public service jobs for either a government or a non-profit organization, offering forgiveness of remaining debt after 10 years of qualifying payments.
Borrowers Defrauded by For-Profit Colleges: The Biden administration has been discharging loans for borrowers who were misled or defrauded by certain for-profit institutions, under the Borrower Defense to Repayment program.
Total and Permanent Disability Discharge: The administration has also taken steps to streamline the process for borrowers who are totally and permanently disabled to have their loans discharged.
Targeted Forgiveness Initiatives: President Biden announced a plan for broad student loan forgiveness of up to $10,000 for individuals earning less than $125,000 per year, or households earning less than $250,000, and up to $20,000 for Pell Grant recipients.
These seem like good measures to me to get people to be able to afford homes and retirement; from a consequentialist perspective, it seems like a faster and more effective way to improve our nationwide economy.