> Emerging research has found that in addition to freeing up cash, the repayment pause coincided with a marked improvement in borrowers’ credit scores, most likely because of cash infusions from other pandemic relief programs and the removal of student loan delinquencies from credit reports. That let people take on more debt to buy cars, homes and daily needs using credit cards — raising concerns that student debtors will now be hit by another monthly bill just when their budgets are already maxed out.

So.... We tried to address the "people have too much debt" problem, and people reacted by using that help to take on extra debt that they wouldn't have otherwise. Maybe the root problem here isn't the debt but people being shit with money?