No matter how many times you toss this word salad, it falls to the taxpayer. I paid my student loans off in full and on time. At the time I owed a loan amount equal to about 25% of my annual salary. If one borrows the money, they are obligated to pay it back. If they believe they were defrauded by the institution, that’s between them and the institution, not between them and the government. Maybe the government should just “forgive” my mortgage as well. My car payment? My monthly utility bill? The expectation that government will remediate one’s bad decisions is the road to serfdom.