Lol, you guys are hilarious. The Federal government nationalizes educational loans and makes the problem exponentially worse. With nearly zero oversight to the accrediting process and by giving loans out to anyone asking they've directly helped create the situation we're in. The solution of forgiveness and adding that red ink to the national debt isn't right. This is one of the biggest examples of big government making a problem worse and being nearly entirely self inflicted. Tightening accreditation standards and issuing loans to only those who are seeking loans for correct sized debt to future earning potential. For instance, the federal government shouldn't be issuing loans to a student going a very expensive school where the degree has no hope of ever being able to pay the debt off. Isn't that the definition of predatory lending, then cranking up the interest owed? And the GAO warned early on this was going to be a huge issue. 40% of borrowers aren't making payments. But nothing was done, they let a broken system become a cancer. There's no excusing this mismanagement of public funds. The romantic idea of college for everyone hits the pavement of reality at terminal velocity we're in now.