What kind of grad students? Excluding PhDs because people don't typically take on debts for those we've got med school, and masters programs. The former should be cheaper but it seems very inappropriate to bucket them in with the general population. The latter could vary wildly in terms of ROI.

> Excluding PhDs because people don't typically take on debts for those we've got med school, and masters programs.

Also law school.

> Excluding PhDs because people don't typically take on debts for those

I can tell you from personal experience that you're very wrong about this.

Well... that's dumb. TIL STEM phd programs with teaching requirements and piss poor stipends are not the bottom of the barrel

> We're now seeing senior citizens get their Social Security garnished for student loan payments!

You can find a person for every situation. How many people on this earth have a nickle up their ass this very instant? Also, incentives matter.

> We're now seeing senior citizens get their Social Security garnished for student loan payments! Do you want to see people with a lifetime of student loan debt?

shrug. If you're old and not working anymore and have debts you can sell your shit to pay off the debts. If you don't have shit to sell then you're poor. I do agree that debts shouldn't be able to take your income below a certain livable level, but there's some level between liveable and full social security payments, then sure, let people who lived a life of debt drop to the lower bound. There is basically no upside to subsidizing these folks.

There's quite a lot of benefit to freeing young people from debt at the beginning so that they can build up wealth.

*I'm aware a 50 year old person is often not "old and not working anymore"