Having come up with a solution to the student loan problem I know will have immediate results for everybody, yet leaves free money off the table paid by others they aren’t responsible for. They know they should be paying yet “ it’s free money”, won’t happen often, how can I pass it up.? Pay the debts you agreed to pay when you signed. Government unwisely got into student loan business. Out! Colleges have money, make them offer the loans, and manage them. Suddenly everybody pays! If not? Classroom time over, Out! Problem solved in 2 minutes. Democrats? 10 years. Still not fixed! Don’t know how.