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OK, arguments I can think of, which I could see being made with sincerity, and that could support the assertion that this is harming borrowers.
.
That's the best I can come up with. And obviously none of that compares to the harm of being economically crippled by student loans, and the relief that forgiveness would mean for borrowers.
And of course, absent from all this is any kind of alternative plan to address the issue. I can understand not wanting to forgive loans without also reforming the system to prevent this situation from happening again. But instead, all they've offered is a cap on how much students can borrow, and a bill that would force repayment plans to be on worse terms than the plan the Biden administration had already announced it was implementing.
The only GOP plan that I can recall that actually seemed like it was intended to help borrowers was Rubio's proposal to eliminate interest on all student loans. So of course it was dead on arrival.
Just getting rid of the interest would be a huge relief. I don't mind that I payed back what I borrowed. I do mind that I payed back almost 4 times what I borrowed.
That being said, higher education State Schools should be free. You wanna charge tuition and be a private college, and stop taking government subsidies.
So these arguments are not great, your first one relies on an assertion that you don't back up
Why should that individual do anything? Is it more optimal? The situation we are in is lots of people can't afford to do what they "should" do.
The other thing they don't address is where this money goes. What benefits do the post secondary institutions reap from higher and higher tuition fees? Is there utility in continuing that access to funds or are caps on profit and spending overnight things that we should consider?