knighttof3: This is why I have mixed feelings about Trump. It's all about the pocketbook. Of course he is a racist Fascist lying pig. But he gave me a tax cut. Biden instead gave "free" money to elite college-educated liberals too dumb or too privileged to know that you have to pay out of your own damn pockets for nice things. Not me. What is so hard to understand?

It's so hard to understand because basically, it's wrong.

The huge run-up in loans and the subsequent spike in defaults have not been driven by "elite college-educated liberals" at expensive private colleges. They are driven by $8,000 loans at for-profit colleges and, to a some extent, community colleges. A decade ago, the typical borrower was a traditional student at a four-year college. And then came the Great Recession and job hunters headed back to school, states which had cut back funding of state colleges and universities over the years cut their funding even more, and wham bam, one year at a state college or university that used to cost $500-600 for tuition and books (about $3,500 in today's dollars) in the 1970s now costs $16,000 or more.

But even those state college graduates were still in a position to repay their student loans after graduation. In fact, 75 percent of the increase in default between 2004 and 2011 was attributable to borrowers at for-profit and community colleges, many of whom earn less than $40,000 a year.

Also, there are specific requirements in order to qualify for loan forgiveness, too many to list. For example, Public Service Loan Forgiveness (PSLF) requires 10 years’ worth of on-time monthly loan payments, for a total of 120 payments, while working for the government or a nonprofit organization.

More here: nerdwallet.com - Public service loan forgiveness

knighttof3: Mysterious how that happens, while I pay taxes on taxes since SALT is limited to 10K.

Okay, you've got me there. If your beef is with the $10,000 SALT cap, why in the Wide World of Sports would you support DonOld, the guy who capped SALT in the first place and who -- along with the GOP House -- has said he ain't lifting the cap?