&gt; Furthermore, since the point of education is to basically help people become more clever, if we make it too easy for smart, knowledgeable people to wash their hands of their student loans, the end result will be an overall societal attitude of &quot;Only a fool actually pays their student loans.&quot; At that point, the entire system falls apart in a way that makes our current woes look like small potatoes.<p>That&#x27;s going to happen regardless, with over a trillion dollars in student loan debt. Its just taking longer than expected.<p>Smart people will always learn how to hack the system. Its easy to default on a house in any state. Its easy to default on your student loan debt if you&#x27;re moving to another country. The only people who get stuck with worthless debt are suckers.