For federal loans (private loans are hard to get these days) the law is actually very reasonable.<p>You pay 10% of your (Income - 150% of poverty level). That&#x27;s less than 10% of your income. And nearly zero for a lot of people. You pay it for 20 years and they wipe out the debt.<p>One huge problem is that people don&#x27;t sign up for this system or instead just default. It&#x27;s shocking that so many college graduates are sticking their head in the sand. It&#x27;s a simple process. I&#x27;ve done it twice.