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Opinions » Poll

Should the federal government act to forgive all or part of student debt?

The debate continues as proponents argue it would stimulate the economy, while opponents argue it would unfairly shift costs and encourage or reward irresponsible behavior.

Disclaimer: This poll represents an unscientific sampling of users.
Select one of the following options, then click the "vote" button.
(677 Votes)
Member Comments (14)
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November 30, 2020 at 7:43 pm
NO NO NO! I took out student loans, went without vacations in order to pay of my student loans in a timely manner. I have the 529 Savings Plan to pay for my Sons classes at a trade school. Why should we pay for someone else's future?
Mark House
November 23, 2020 at 2:48 pm
People with money have enough to pay outright, people with little money can get Federal Aid with no payback. It's the people in the middle that are putting themselves into debt. There are already options out there.

The new rules that the previous administration put into place have helped immensely through PAYE, REPAYE, IBR, ICR, PSLF, Perkins Loan Cancellation, Military Loan Forgiveness, Student Loan Forgiveness for Teachers, Student Loan Forgiveness for Nurses, Student Loan Repayment for Doctors and Health Care Professionals, Student Loan Repayment Options for Lawyers, Other Options for Student Loan Forgiveness.

"If none of the above ways work for you, there are other ways to get your student loans forgiven. Listed below are three situations where student loan forgiveness is possible.

Your school unexpectedly closes: If you are enrolled in college and it unexpectedly closes before you complete your degree, you’re eligible for loan forgiveness. You’re also eligible if you withdrew within 120 of it closing.
Bankruptcy: Student loan forgiveness is very hard to achieve in bankruptcy. Many borrowers going for forgiveness via this route lose in court and there are very few precedents of success.
You become extremely ill or disabled: If you become very ill or have a long-term disability, you could receive loan forgiveness. However, even if your loans are forgiven, they will be considered tax-deductible.
Most people choose an income-based repayment plan instead. Your monthly payments could be as low as $0 and then you’ll earn forgiveness in 20 to 25 years."
jim goodwin
November 22, 2020 at 2:28 pm
No! No! And HELL NO!
Student loans are an individual's investment in their future. It's their investment to make and to risk. Not mine.
I paid my student loan debt myself. I didn't even finish college so that investment was basically worthless. But I paid my debt!
November 21, 2020 at 8:40 pm
Final comment to Fauquier NOW, why did you not make this a two part question. 1. The question you posted and 2. Do you have an existing student loan. That way the YES and NO answers would be QUALIFIED and meaningful. Does anyone else wonder how many of the YES votes were from individuals WITH an outstanding balance of a student loan?
November 21, 2020 at 8:34 pm
Now if WE look at this another way, how about the fact the tuition is lets say Ridiculously HIGH as the schools KNOW the government will provide LOANS to US to cover the cost of school. My comments do not correct the actual problem of so many loans that can not be paid back by students that did not even complete the studies that were contracted for. Why are we not asking the learning institutions to pay a "certain percentage" of the loan for ALL students that did not graduate? If the students were NOT performing in class, why not say, no more loans until the STUDENT takes the responsibility of APPLICATION. Yes, I too am a career USMC and those government programs that I utilized were YOU receive
financial assistance providing you PASS the course of instruction.
NO FREE HANDOUTS, you work, you eat, you no work you get JOB.
November 21, 2020 at 8:14 pm
No, No, No, a thousand times NO. You determine what state you live in, YOU determine what state you go to school in, so as Judge JUDY says, YOU eat the steak, YOU pay, YOU went to school, You signed the CONTRACT, YOU PAY. Oh and what about NO ADDITIONAL LOANS if you are not current with your past obligations.
November 19, 2020 at 6:26 am
“Looking Backward 2000-1887” this book is claimed to be one of the three most influential books in North America behind the Bible and The New England Primer. Written in 1888 by George Bellamy which expounds all of the major themes of socialism from universal equality of income to universal free education. You have to understand their purpose before you can comment. copied from Marotta, not my philosophy......
November 18, 2020 at 7:33 pm
Forgiveness is a bit much, but a federal program to refinance college debt at a low interest rate would seem like a fair and reasonable measure.

Moving forward, we should make it easy and cheap to borrow money for school, with more federally backed loans with guaranteed low interest rates.
November 18, 2020 at 4:35 pm
The credit companies have lobbied for high interest loans. I think congress should reverse that and allow low interest loans for student debt. Congress could also provide low interest loans for indigent people and adjust repayment plans as their income increases. Helping to educate the public for better jobs will create more taxpayers.
November 18, 2020 at 2:45 pm
Ridiculous! No discussion necessary...
November 18, 2020 at 2:37 pm
They signed a contract to pay the money back. What better way to learn about financial responsibility than paying for the education. Time to grow up and put on big boy pants or big girl pants suit.
Linda Ward
November 18, 2020 at 12:18 pm
FAFSA needs to be reworked. It bases if you are qualify to receive Federal Financial Aid on your income before expenses. We make more in income in Virginia than say Iowa, but it costs more to live in Virginia than Iowa. There needs to be an adjustment for where you are going to go to school and where you live.

There is also the issue of going to school out of state, that's on you and your parents IMO. FAFSA doesn't account for kids who use the income of the parent making the least money in cases of divorce or couples that file separately, that seems like gaming the system.
Cammie Rodgers
November 18, 2020 at 10:22 am
In Germany they had a program where upon graduation from high school you either served 2 years in the military or 2 years working for the Red Cross. When you served your 2 years the government paid for your education for 4 years. It taught the young people discipline and civic duty. Not sure how it would work in the USA.
Cammie Rodgers
November 18, 2020 at 9:53 am
I can see forgiving the tuition, book, and fee costs, but the cost for housing (dorm) and meals would be like paying someone's rent and food bill for 4 years.

If the person wasn't going to school they would have to pay for their own rent and meals. There should be some kind of financial or civic responsibly on the part of the student/family.

My husband and I couldn't afford to go to college 30 years ago, so we joined the military, served our country, and were in the Veterans Educational Assistance Program (VEAP). VEAP is available if you elected to make contributions from your military pay to participate in this education benefit program. The government matches your contributions on a 2-for-1 basis. It worked out great for us. We both have Bachelor's Degrees and nothing to pay back.
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