[throwaway_law]

>I don't disagree with you, but I'll note that the non-dischargeable terms of medical and student loan debt in the USA essentially do that already

As a preliminary matter this is false...student loans are dischargable in bankruptcy, they are just treated differently than other debt. However, there is a reason everyone thinks student loans aren't dischargable and the myth persists...

>the incentive structure of "we don't make money unless our education helps you do so" seems like an order of magnitude better than the alternative.

Not when the real alternative is student loan forgiveness and free tuition moving forward. The issue is framing the problem as student loans for life or a financier owning a % of your labor for life, when there are other models.

[pmiller2]

Regarding student loans, yes, you are technically correct that they are dischargable in bankruptcy. However, the standard for federal student loans is that the borrower must be in a situation where there’s literally no hope of ever paying them back in order to qualify. This makes them _de facto_ nondischargable.

Private loans, IIRC, are dischargable with a lower standard, but it escapes me what the standard actually is.

[throwaway_law]

>This makes them _de facto_ nondischargable.

I have gotten student loans ($100k+) discharged for clients.

My experience is most people who say student loans are not dischargable have never gone through bankruptcy and have no idea what the process is to discharge regular debts nor student loans. This is true of even some lawyers, who are more than happy to take your fee, but don't know what they are actually doing.

[yowlingcat]

Student loan forgiveness would be great, as would be free tuition, but do you mean on a federal level? I'd love to see such a policy come to fruition.

[throwaway_law]

I don't want to make it about politics or a politician, but you can search for their campaign platform proposal for additional details. As far as I know there is only one candidate running on this platform of student loan forgiveness, so it should come up quickly in a search.

[pmiller2]

Vote for Bernie if you want these things to happen. We can literally discharge all existing student debt by rolling back Trump’s ridiculous tax cuts for the wealthy. Tuition can be funded the same way going forward.