comment: >
  
  Funny thing: my loans have ALWAYS been managed through MOHELA, but once I applied for PSLF they treated me like a new customer who transferred everything in.
context: If they cannot be forgiven, can they be paused permanently. >
  
  I’d be fine with negative interest rates. They’d be gone faster than you can pay them >
  
  Wait could you tech not ‘forgive’ students loans. And just set the rate as -100% >
  
  Liberal democrats don't bend rules.  That's why they can never get anything done.  Republicans break rules, liberals say "wow that's wrong" and then can't pass anything because republicans jam them up.
  Its worth noting this is on purpose.  Corporate Democrats do not want change. They want to be seen attempting change, then get foiled, do nothing to fight back, and then point fingers at the republicans. >
  
  Yup our government is pretty much broke. We have republicans who have zero interest in even trying and we have a chunk of dems who want nothing to change. All while MAGA republicans keep gaining more and more power with each election cycle, eventually our country will be screwed >
  
  Republicans are fascists and are the worst thing.  That being said, the democrats showed their hand on true reform when they conspired to fuck Bernie and get Jim Crow Joe (LOVED locking up black people in the 90s) the nomination in 2020 just ahead of the pandemic. >
  
  Are you confident that moderate voters would’ve picked Bernie over Trump? I’m not…and I would’ve loved a Sanders presidency >
  
  If the backing came from the establishment, absolutely. 
  Americans are very easily led, even if it's against their own interests. I can't imagine they wouldnt be easily led when it's actually for their interests. >
  
  Nah Bernie would have been stomped in a national election. >
  
  
  gives absolutely zero evidence
  a wealth of information to the contrary
  immensely popular politician with popular platform
  agreed with by Fox News viewers
  constantly shown to be as competitive as Biden
  also shown to have a more popular platform than Biden
  
  Okay.
  
  young people just don’t vote
  
  It’s a consistent narrative that ignores surging youth turnout from 2018 onward. It’s a bit irrelevant given he had majority support among ALL Democrats on policy but the other consistent narrative of “he can’t win” definitely won over enough that policy victory this did not translate to actual electoral victory.
  It helped that Biden was more palatable than Hillary as the ‘centrist’ candidate and benefited greatly from the memory of his Vice Presidency, which seems to have dominated over his political career from 1974 to 2008. >
  
  Expect to be disappointed in the Supreme Court. >
  
  Congress gave the DOE the power to forgive loans in the HEROES act of 2003. >
  
  Except the law never says anything about 9/11. It says “affected by a state of emergency.” If congress had wanted it to be limited to the 9/11 state of emergency, they would have written that in there. But this law was specifically written to extend to ANY declared national state of emergency. Which COVID was and still currently is.
  Rep. George Miller, one of the architects of the law, wrote an amicus brief to SCOTUS basically saying that this is within the boundaries of the law intended when he wrote it. >
  
  Biden could just paused them for as long as he can. 
  Then when a Republican president comes in,  it will be his fault payments are restarted. >
  
  Who is going to originate new loans then? That actually might not be the worst thing. The only way to reduce college tuition is to stop financing it through taxpayer guaranteed funds. If students could only afford to take out what they can pay tuition would not be that high. >
  
  Yes and access to college would lower. Why do people keep bringing this talking point up? 
  The entire point of why we did that is to ensure everyone could access a college education. >
  
  But free flowing student loans is also why the cost of education has gone up so much. Colleges know that the government and private lenders will approve basically whatever they charge for tuition, so why not charge more? >
  
  No it isn’t. I don’t understand why so many people have trouble with this concept. 
  Why not charge more? Because thats not what moral people do. So you have the answer right there but continually blame another system for it. Greed is the problem here, and there are many ways to fix it other than allowing it to co-opt all of our policies. >
  
  Your mistake is assuming for-profit colleges are run by moral people >
  
  No, I understand they aren’t. I simply don’t throw my hands up and say whelp, guess we should just let that stop us from having any programs that are designed to help Americans. >
  
  I never said we shouldn’t have loans. But 15 years ago the federal government should have said to all accredited colleges - hey, we will cover these loans, but rates can’t rise more than x% a year or y% over an average student’s 4 year time. I don’t know how you fix it now, but something has to be done. Better late than never.
  But I can tell you that the private university I went to 15 years ago now costs 50% more per semester. And their academics and facilities have absolutely not improved to be worth that much more. But please, tell me again how people running colleges have morals >
  
  I applied for the forgiveness and found out that my loans were being outright discharged (I went to ITT but graduated in 2006 -- I thought I wasn't covered I was).  I'm waiting for mine to be cleared out and get all the money I paid into it back.  But I will never not be an ally for everyone also thrown into the predatory meat grinder known as secondary education financing. >
  
  Why the fuck should you be covered... you graduated in 06 why should you loans be forgiven for Covid in 2019- >
  
  Yeah, crazy its been 13 years and op still hasn't been able to pay them off yet. Probably because they're just lazy and not ridiculously high interest rates or unemployability. >
  
  I don't think they are lazy I just don't see what your loans have to do with Covid >
  
  There is an enormous lawsuit against ITT Tech. From a report mentioned by Forbes: "The report details how ITT Tech systematically defrauded millions of students over decades, abused the federal financial aid system and left students weighed down with student loan debt and worthless credentials."
  However -- even if it were not the case of a fraudulent institution, COVID caused millions of people financial distress. Layoffs, sickness, having to isolate, taking care of elderly relatives....and on and on. 
  And then, who do you think the superrich stole from to keep getting richer? The slow drain of higher rents, loan interest, jacking up the prices of other basic necessities like food, and so on from the middle / working classes made living all the more difficult. So, student loan relief - for everyone who still had a student loan payment, no matter how old or new it was, on top of all other living costs - was one way to lessen the impacts during COVID. >
  
  Republicans HATE student loan forgiveness, but are TOTALLY fine with bailing out the banks when they owe money. >
  
  At this point, I haven’t been in college for 25+ years and I’m still paying. The loans have been sold, re-sold, in collections, sold again, consolidated, re-consolidated… and I owe more than I started with still. I’m done. Fuck them. >
  
  How have you been paying student loans for 25 years and have more than you started with? >
  
  Income contingent repayment. People who take vital jobs that are also low paying can’t make the film payment so they get an income adjusted payment and the total grows. >
  
  Under income driven repayment, any remaining balance is forgiven at the end of the loan term, which is maxed out at 25 years.
  So the only option is this guy got private loans and stopped paying them. >
  
  That is only if you were in the right program at the right time. A big part of the issue that the forgiveness is addressing is the loan servicers intentionally pushed people into solutions that didn’t count against that time and “surprise!” meant more profits for the loan companies. >
  
  Exactly this. I was never told that the budget friendly plans or the forbearance I had to take wouldn’t count against my forgiveness time. Also, I consolidated several loans years ago, and when I did, it reset the forgiveness clock. Sallie Mae screwed me so badly. They are/were the most predatory agency I’ve ever dealt with. >
  
  Hmmm, since student loans didn't exist when our founding fathers wrote the constitution wouldn't the point be moot? >
  
  I need to know what a medieval scholar thinks of student loan forgiveness. >
  
  They would likely be for it. We live in one of the only periods of time where the vast majority of debt legislation is meant to protect the lender, not the borrower. Debt forgiveness is the historical norm. >
  
  Except for all those debtors prisons. >
  
  A concept the US was only too happy to continue >
  
  “Elections have consequences - unless we don’t like those consequences.” - republicans >
  
  The pause has been in place for 3 years and society hasn't collapsed. I think that's some indication that forgiving up to a measly 20k per student loan borrower wouldn't cause society to collapse.
  They should just forgive it all and get it over with, but we can't have nice things in the US of A. >
  
  They shouldn't forgive all of it until college is made actually free.
  Once that is done, then it should all be forgiven.
  But people only actually care about the debt they currently have. >
  
  They can keep the pause in place after, so any debt accrued after can be forgiven too.
  Either way a can is being kicked down the road. At least with the first option, millions of graduates, both old and new, will be able to start living their lives buying homes starting families etc. >
  
  Unfortunately the bought and paid for judicial arm of the Republican Party will kill the loan forgiveness.  Then the Republicans will some how spin it in to being all Biden’s fault >
  
  I think many GOP see where voters lie on this issue (pro forgiveness). Then again, they didn't stop themselves from overturning Roe when they knew most Americans were against the overturning. >
  
  If SCOTUS strikes down student low forgiveness, what is to stop any executive branch from simply reintroducing it with an explicit rationale based on existing law? Since the courts can't, practically speaking, enforce anything, we would get caught in a loop of "no you can't, yes I can..." 
  I predict student loan repayment will continue to be paused long after August, and the only real chance to unfreeze it would be a republican president using another EO. >
  
  I hate that we've all just accepted that the Supreme Court is a panel of dictators that can do whatever they want, including making the lives of millions of people significantly worse. They have a stranglehold over this country that will last for decades.
  When will they face accountability? When will someone tell them "no"? >
  
  We’d need a functional legislative branch that could impeach them. We do not >
  
  Lol despite our Democratic control and overwhelming evidence against kavanaugh >
  
  Democrats had a supermajority for 72 days in 2008, and have not had one since.
  They cannot pass legislation or impeach a judge until they have one again >
  
  Yep. And even that supermajority was on shaky ground; there were far more conservative Democrats in office back in 2008 than there are now. >
  
  The fascists on SCOTUS destroyed a Woman's right to control her own body, and cost GOPers a couple dozen seats in the 2022 election. Now those bigoted magots are going to hand the Dems several million more votes from the students AND THEIR PARENTS. Perhaps there will be enough switched votes to impeach those fascists >
  
  RIP student loan forgiveness. 
  Brown will deliver a compelling and logical case for why it should be implemented. The GOP puppets will strike it down all the same. >
  
  The problem is the federal govt is no longer capable of doing any. If Soc Sec and Medicare (universally popular) didn't already exist there is no chance Congress and the Courts could create them today. We have a legal drinking age, voting age, etc because they've been in place a century. There is no way we could create any new standards for anything today. Govt is crippled. 
  The correct answer to student debt is for Congress to reform bankruptcy, education loans to be interest free, grant program expanded (funded), and internship requirements overhauled. All of that needs to be done. However it can't get done. Congress can't even pass an annual budget and that is a congressional function literally outlined in the Constitution! 
  So out of desperation the President is trying to forgive some of the student debt. It's a bandaid. Not a fix. However it isn't how the system is supposed to work and the poorly qualified partisans with lifetime positions on the bench can and will slap it down.
  Bothsides are not the same folks!!! One side might move at a snails pace and fight with the strength of a dying candle but it is willing to work towards what's right. The other side isn't. Apathy and bothsidism is killing us. >
  
  the modern Republican party is one of the most dangerous, destructive organizations in the history of the world >
  
  When they rule against it that precedent will apply to PPP loans right? >
  
  PPP loans were passed through congress, so it was constitutional >
  
  So were the rules that allows the Secretary of Education to forgive student loans. >
  
  The debate is whether this falls under that jurisdiction given to them from past bills. There’s not really a debate for PPP loans, because it’s clearly constitutional for congress to pass spending >
  
  I’m well aware. It falls under the law. The law was pretty explicit when it was originally passed. They even waited and used the unique situation of Covid to justify it so it’s even more of a logical argument. >
  
  Nothing to worry about then since SCOTUS is sure to agree if it's 100% legal. >
  
  You’re insinuating something I didn’t even allude to. >
  
  I gotta preface this by noting that I am not young, I’ve already paid back more than I originally borrowed, and I typically don’t adhere to hard partisan lines when voting (or at least I didn’t use to, lately it’s been a different story).
  But I’ll be goddamned if I ever again cast a vote in the direction of people who are fighting tooth and nail in court to make sure I get a $650 monthly bill started up again, especially when my boss got $130k forgiven in PPP loans that he didn’t need to begin with. >
  
  Exactly. Empty parking lots and farmers with no employees in my area got hundreds of thousands of dollars forgiven and we aren’t supposed to get anything? We don’t forgive this then we need to go back and force payback of PPP loans. >
  
  I just have to make one point here for all the "you took out the loans" people. Yes, I took out the loans -- when I was a mentally unstable 18 year old just finishing high school. I mean I was in and out of psych wards level unwell and somehow I was allowed to just accept a life sentence of debt. At 18 we aren't even considered mature enough to legally drink a damn beer, but I can sign the dotted line and take out 20k. Like wth is up with that? You can't even rent a freakin cheapo car at that age in some states; you're not considered trustworthy. Heck, I could hardly get that kind of money in a loan if I tried now and I'm 33 with a better head on my shoulders. Kind of odd if you ask me. Actually, it feels pretty predatory. 
  I'm also aware that our parents are supposed to offer us some guidance here, but we don't all have that kind of support system, at least I didn't. 
  I don't know... I'm just saying it feels really misguided to say "shouldn't have taken out the loans then!!!" when the people taking out the loans aren't even fully cognitively developed.... >
  
  If it’s going to the supreme court, expect the worst possible outcome
  “Supreme Court rules student loan forgiveness unconstitutional, requires students to begin repayment immediately at an increased interest rate” >
  
  They get PPP loan write-offs, you got $2400 in stimmys and get to watch politicians play kick the can with your financial wellbeing.  American dream. >
  
  Hunter S Thompson pointed out that the American Dream was dead a generation ago. >
  
  Just trust that if we were talking about Wall Street firms who fucked the system and people for a lifetime and we’re now of the verge of being fucked themselves, this would be solved already. >
  
  Why is it heading to the Supreme Court? Because Republicans don't like it and with Republicans, cruelty is the point >
  
  If I'm not mistaken, Biden actually brought it up to the Supreme Court. >
  
  Biden brought it to the SCOTUS because a lower court judge struck it down. >
  
  Yeah I know. I misread you're comment and thought you genuinely weren't aware of that. >
  
  No worries. We all make mistakes. >
  
  "Don't threaten me with the Supreme Court." 
  The host of Bad Faith Podcast. >
  
  So… PPP loans can be forgiven, but student loans can’t? >
  
  Because there's no way for the Republicans business interests to skim a few billion from this. >
  
  It means it's boned. >
  
  But let's give more ppp loans and bank bailouts >
  
  I find it hard to stomach that they're still handing out PPP loans. >
  
  I applied for loan forgiveness but haven’t been approved. I have only worked in public sector education since graduating, but no one can explain to me why my work experience doesn’t qualify for loan forgiveness. >
  
  Mine were approved.  Make sure to fill out the pslf application and have your agency fill out their parts. I taught over ten years and made the 120 payments.  It took awhile to get forgiven, I think about 6 months after I submitted my application. >
  
  Thank you! I did those things you said, although I got everything in at the beginning of October. So it’s not quite 5 months yet. I guess patience is the key now. >
  
  I had to consolidate mine through Moleha (or something).  You can check the status on your loans and it will say if it is under review, or whatever.  Keep up the patience.