this post was submitted on 08 Oct 2025
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For me, I do kind of think that if someone paid and then forgiveness happened, they ought to be at least partially compensated if they have any history of being low income. They could have put their loan payments into something else but they didn't so they'd kind of end up screwed over by their slavishly responsible bill paying.
That said: its stupid to not want broad student loan forgiveness because the student loan crisis is literally damaging the economy. Its hurting everyone, even people who already paid their loans off.
Pretty much. It would be more broadly acceptable if it was like 'if you had student loans in the past decade you get a $5000 tax credit'. Maybe more if your reported income for the past 10 years was below a certain threshold.
That would benefit everyone, including those who paid off their loans and they could then tax that money from the tax credit and spend it elsewhere.
This type of thing was huge beneficial for child care too. The Child Care Tax Credits during the pandemic were a huge benefit and halved the child poverty rate. It's sheer stupidity they were cancelled.
Id be ok if there was some kind of reimbursement, but I wouldn't stop student loan reform from happening if it didn't include reimbursement.
I like that idea. Phase in tax credits based on the student loans you have paid in the last X years, with higher weight given to more recent payments.
To be clear, even though I've just about finished paying mine off, I'd vote for full forgiveness in a heartbeat with or without that provision, but I think it would make it much more pallatable for a large chunk of the population.
because it would be fair and equitable and it would avoid the moral hazard of giving someone with 90K in debt a free ride.
Not all student debt is the same either. There are different types of debt... and frankly some people literally took out 50K in loans and blew it on partying rather than studying/tuition. I knew several people who did this in both my undergrad and graduate schools. One of my ex girlfriends took out a 50K student loan and bought a 30K car with it as a 'living expense'... and then later quit her program w/o the degree, sold the car, but then used the money from the car say to go travel for a few months. All while piling up interest on the loan. Her tutition, btw cost nothing, she was a grad student getting paid to go to this program. She had something like 80K in debt from this stupid selfish choice. But her getting a 5000 tax credit isn't going to really absolve her of that debt.
She was also working a decent job making 50K a year... and still was not paying back her loans.