>>Any balance remaining after 25 years is forgiven, effectively covered by taxpayers.

This looks like a very serious flaw in the repayment clause on the very face of it.

To think that people are doing multiple jobs waiting tables, working minimum wage and surviving on tips are paying taxes to subsidize this sort of education is bonkers.

The government should first exhaust all recovery chances(going after the home, assets etc) and then think of the next steps.