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The ‘terrifying’ trade-offs millions of Americans face as student loan repayments resume
(www.nbcnews.com)
this post was submitted on 01 Oct 2023
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So do you not understand who has the most trouble paying off this debt or what's up?
Most high-risk student loan debt is held by college dropouts. People who went to college, it wasn't for them (or life intervened), and they had to leave college - with the debt and without the benefit.
We as a society urge students to go to college because having a highly educated workforce is a good thing. This is an externality we created and it behooves us to resolve this externality socially.
The question of "personal responsibility" is, as is so often the case, irrelevant when discussing governance. You don't govern for the best case scenario, you govern to address externalities.
I like how you add information that I never critiqued. The point is that claiming that having 3 years of minimal payments is somehow not a reprieve from the previous circumstances, is utterly false.
If you want to argue for free university, then fine do it. But do it from the very beginning, don't tack it on to some vaguely related initial comment.
"The question of personal responsibility is irrelevant in governance"
I actually agree, it's where I think conservatives fail. Where liberals fail is ascribing moral blame for personal decisions on others. When someone makes a conscious personal decision to take risk, you can't just blame society for when they individually have an unsatisfactory outcome. (It's the same shit we get when we ask how society failed all those poor mass shooters).
Now of course this entire post was an individualistic claim, so maybe you can see why I didn't start with a federal policy critique.