Capitol Hill Blue Forums Political Issues The Biden Administration Biden to Cancel $10,000 in Student Loan Debt

Biden to Cancel $10,000 in Student Loan Debt for Borrowers Earning Less Than $125,000

Why?

When I was young, I could not afford college. My single mother couldn't afford to send any of us kids to college. It cost too much.

When I was a little older, I looked into going to college myself and taking out loans to cover it. After hearing the repayment details, I decided that I would not take a chance on it. I didn't think I would be able to make the payments if I didn't get into the field I was seeking.

It was a choice on my part. It wasn't something that someone was forcing on me. I had a decision to take those loans and to take the chance that it would pay off - or not.

I decided not.

I don't understand why taxpayers should pay for the debt of others when those people could have chosen not to get into that risky situation in the first place.

Like other loans, we make decisions based on different circumstances, whether to take a loan for different things. I have had automobile loans. I get tired of having to repay them too. I also have a mortgage. Why can't I get the taxpayers to give me a break on my auto loan or mortgage and pay them back for me?

I fail to understand how an education loan should be any different than any other kind of loan.

BTW, even without college, I was able to make decisions, there we go again with that word - decisions - which have allowed me to work up to a 6 digit income and to be able to live comfortably (not rich by any means, but comfortable) - which I am thankful for.

Education is expensive.
Generational ignorance is ten times more so.

First of all, taxpayers are not paying anyones debts. Most loans are over $10K. The interest is 9% and has been for three decades and never once adjusted down even when interest rates were at zero. At best, the government will cancel $10K in interest.

The loans will still be owed as most loans average $35K in principle.

It’s sad that when the government helps poor and minority folks - it’s called a handout and people are outraged; yet the government helps white people like farmers - it’s called a subsidy,

I would prefer my student loan to be reset at a lower interest rate, all accumulated interest removed. so that I can begin paying down the principle - which I have never been able to do. I’ve paid close to $15K on my loan and never once did one dollar ever go to the principle. The principle is exactly the same amount today as it was when I left college. THAT’s a problem.

Interest is free money on a loan to the loan maker, ie the government in this instance. How are tax payers paying on that? They’re not. It’s just hyperbole and majority are pissed that poor folks and minorities are finally getting some break.

A lot of Boomers cancelled their student loans in bankruptcy when it was allowed - Boomers have not complained about that! But Boomers politicians sure got that rule changed that so future generations could not do the same, as student loans were singled-out from being unable to be discharged when Bankruptcy Reform happened during the GW Bush years.

via CNN.com

Yesterday, a lawsuit was filed in federal court to block the Biden administration's plan to forgive $10,000 in federal student loan debt for folks with qualifying loans and income of less than $120,000 a year. The plan also offers an additional $10,000 in loan forgiveness to folks who received Pell grants, to target borrowers who were more likely to come from low-income families.

The lawsuit was filed by a dude named Frank Garrison who works for the Pacific Legal Foundation, an outfit described by CNN as a "a nonprofit libertarian law firm," and which is handling the lawsuit on Garrison's behalf. The Washington Post similarly describes the foundation as "a conservative public interest law firm in California."

As Judd Legum from the Popular Information website points out:


As Legum also points out, Garrison's lawsuit against loan forgiveness faces a few hurdles, mainly because to have standing to sue, the plaintiff needs to show not just that they think a government action is bad and wrong and will sap the vitality of the American people's precious bodily fluids, they also have to show that they have been harmed by the policy, which is a big ask when you're talking about a plan to relieve people's student debts. How is someone else getting up to $20,000 damaging to this Frank Garrison fellow?

The lawsuit claims, however, that Garrison will be harmed by having $20,000 of his own debt forgiven. The American Rescue Plan exempted any future federal loan forgiveness from federal taxes. But apparently coming out $19,000 ahead, in Indiana, would be a great injury to this Garrison fella.

White House Assistant Press Secretary Abdullah Hassan called the claim "baseless" because the program won't oblige anyone to accept loan forgiveness if they'd rather have their debt.

Also this Garrison dude, filed the lawsuit as a Indiana resident. Indiana is one of the few states that would tax student loan forgiveness provided by Biden's program as state income tax. The "problem" is that this dude's Linkedin page says he's a resident of DC.

A conniving lying Rwinger is trying to harm the middle-class and the poor by getting rid fo this benefit - and Garrison's employer is forum-shopping because it worked (for the most part) for the criminal orange clown with respect to Judge Cannon - it will become a component of the Rwing playbook in the future. So what else is new?

This is a reminder that conservatives would rather see poor folks get evicted and/or get saddled with debt than see big businesses have to sacrifice profit for the public good.

Other loans are dischargeable in bankruptcy, student loans are not thanks to Baby Boomers discharging student loans en masse when student loans were allowed to.

Essentially, now-a-days with tuition costing thousands to tens of thousands of dollars per semester, and the high interest rates of 9% and greater, along wit the debt being non-dischargeable, student loans have become a debtors prison. THIS is why Biden's relief helps...not a lot, but a little. Even token measures are appreciated.

Yesterday, I talked to the Department of Education regarding my FFELP loan. The guy on the phone convinced me to apply for a new "consolidation loan." That would take my FFELP and bring it into the fold of the "Direct Student Loan" program. I applied yesterday evening.

Now I read this:

Biden administration scales back student debt relief for millions amid legal concerns


I only found out last year that my loan was owned by Deutsche Bank. All this time, I thought the federal government owned it. The federal government only guaranteed the loan.

Today, this offer is rescinded, but those who applied prior to the announcement will be granted. I can't believe I got my application in under the wire.

UPDATE to the Garrison post above.

After Garrison filed suit, the White House announced that every borrower would have the option to opt out. Then, on Wednesday, the Justice Department confirmed in a filing that “any borrower who qualifies for automatic debt relief - relief without filing an application - will be given an opportunity to opt out.” The Department of Education confirmed this option online.

Here's the best part...

The Justice Department informed Garrison’s lawyers that he did not even need to opt out. “Upon receiving this lawsuit and reviewing Plaintiff’s filings,” the agency wrote, “the Department has already taken steps to effectuate Plaintiff’s clearly stated desire to opt out of the program and not receive $20,000 in automatic cancellation of his federal student loan.

What an idiot Garrison is!

The federal government holds this student loan debt. In the end, the federal government will decide what to do with it.

Checking to see if this thread shows in the current listing.


Flushed the caches. Rebuilt the posts, forums, and topics. Seems to be working now. Please let me know if you see any further problems.

Doug

Thank you Doug

I have always thought that it would have been a lot better if gov had taken all the interest they have been collecting and apply that to the debt and then just stop the interest completely. I am not in favor of our government being in, basically, in the bank loan business. There is also some indication that gov was charging more interest than the banks!

The interest is why the private firms are complaining about the FFELP forgiveness. They'll be losing money on the interest. Too bad!

I think I may be confused. I have been under the idea that OUR government was funding, and collecting most of the higher education loans. That, I think, started with Obama.

There is also another little problem. China, right now, is graduating twice as many engineers, etc than we are. Our state higher education has lost a great deal of state money to function and most of the staff was underpaid. Now the staff is no longer in that state but, given the greed of state legislators, or legislators who don't want to tax to help pay the price, and the greed of the private, incredibly rich, universities the United States of America is no longer producing what the nation needs and the national politics has responded by slowing down replacements from foreign sources.

Now add in that the government of America decided that, rather than supporting our higher education they would put entire generations of educated into lifelong debt (except for the lucky few). I know, I have simplified this but the problem(s) are very real and get worse annually. We are the only nation in the developed world that makes it almost impossible for anybody to actually get educated without going bankrupt along the way. A more interesting thing is that those debts are not, I am told, not dealt with in bankruptcy court so the 18/20 year old dummy who signed up for the debt is well and truly screwed.

Student Loans used to be able to be discharged in bankruptcy - until bankruptcy was "reformed." Called the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, student loans were no longer able to be included in bankruptcy. See the word "abuse" in the title?

Why? Because baby boomers discharged their student loans so much and so often, baby boomer politicos in 2005 made student loans so that they are THE ONLY DEBT that is not dischargeable.

Now these same baby boomers are screaming bloody murder that ol' Joe wants to forgive some debt. Most loans average $35K. Joe wants $10K to go away.

Boomers: Discharge for me; not for thee.

I consider student loans to be a shining example of complete failure of both state and national taxing districts. Education is necessary and that includes university level students. If the nation fails in that we will not win and the nation that does will. China, right now, is producing a lot more university trained than we are by a large degree. Virtually every other industrialized nation in the world understands this. If a student qualifies for university, and wants to go, the state takes care of that. The United States, however, has a plan which involves loaning enough money for the student to graduate and then keeps that student in debt for the rest of their lives. (except for the luck and the rich).

That means that we are going to have a lot of university graduates who are REALLY pissed off, and unhappy and, I suspect, easy pickings for folks looking for such (which tends to make me a bit nervous about the future). I know several and they are not happy campers. Then some goto work where they have also hired Indians, etc. to help and they find out that the Indians were put through university by their country. We keep being told we are the greatest, richest nation every to be and we are behaving like that and that is not good on any number of levels.

I personally know of several doctors who just said "to hell with it" and moved to Canada and plan to never return. I know of one heart specialist who, with her husband, saved 100,000.00 to pay on the debt and it didn't even cover the interest debt. She moved to Canada with her husband who was also a doctor but taught in Canada, graduated, spent 4 years working for the Canadian government who then forgave all debt. I think we actually had something like that but, obviously no more although I am not sure about that.

I am actually on two tracks to have my student loan forgiven.

Track One: The age of the loan...28 years old

...if track one fails, i will have track two as back-up.

Track Two: I did public service working for a school district

Two developments yesterday:

(1) SCOTUS denies request to block Biden's student loan forgiveness plan

- and -

(2) Appeals court temporarily blocks Biden's student debt relief plan. For the record, the 5th Circuit Court is made up of all Republican, but one Democrat appointee.

Yesterday's two ruling seems to be confusing a lot of folks. Here is an explainer in a nutshell:

The reauthorized 2005 Patriot Act gave the POTUS to unilaterally cancel debt in times of crisis. We are still in a global COVID 19 pandemic. This is why SCOTUS Amy gave the go-ahead for DIRECT student loans.

The six state AG suit is about FFELP student loans. Many states like Missouri are in the student loan business because of the money they make from the interest of the loan. The issue regarding FFELPs is that many borrowers have applied to convert the FFELP to Direct so that the loan can be discharged. States are crying they'll lose money from the interest. THAT is what the 8th circuit hold is about.

I would suspect that this means that the states are taxing a specific group of people that aren't exactly rich. Not sure that's legal.

Some states like Missouri consider the cancellation as "income" and taxes the individual tax on that "income."

Other states like Washington have no personal income tax, so folks in those states will have no personal tax to pay.

22 million people have already applied for some student debt relief. You would think 22 million people of voting age getting screwed out of $10,000 or $20,000 might affect an election. Especially if the Republican challenge comes just 10 days before the election!

NPR says that young voters are highly mobilized to vote due the Republican challenge to student loan forgiveness and abortion.

You would think so. But, not people nowadays. Today they continuously vote for policies that hurt them. I mean, why does anyone vote for a party that wants to remove our social security net? Or, to not allow prescription drug price negotiations? or, give tax cuts to the rich while the middle/lower class has to pay for it?
I have a daughter-in-law that has applied and she it a big time Trump lover! When I ask her why she would vote for someone that wants to hurt her, her reply was "That's who my mom voted for". That says so much for todays voters!

Let me try again. I think what is being talked about is a government which is lending your tax dollars back to you and charging interest on that loan. This continues to confuse me. I am against this as I think its just wrong as well as not particularly bright in all sorts of ways.

Which is why I have NO PROBLEM with my loan going away. The interest on my loan is 9% and is 4X principal right now. Never has one penny gone to principle on my loan.

My loan is 28 years, nine months old. My monthly payments are currently $529.84 each month. The only "good" thing about my situation is that I am able to deduct this monthly payment on my taxes every year.

I hope you get to make it go away. I have always thought that it was a brand new way to over tax and haven't changed my mind. I reminds me of something. Years ago the Washington legislature was looking for more money. They discovered that the agency who issued licenses for hunting and fishing was bringing in waaay too much money. They also had enough money to hire lots of people to managed the hunting and fishing. Their solution to that one was to send the money for licenses to the general fund. Now they don't have enough money to hire the number of people they actually need. Its kinda like what the feds did to the IRS and now the Republicans are outraged that they actually increased their workers so that they can actually go after the 5% at the top.

This is yet another example of our elected slamming everybody BUT the top 5% This is also why, incidentally, we no longer have places to put the mentally ill, other than prison (and it seems that the prisons are, finally, starting to get rid of that job). There is a lot of current talk about the mentally ill but I have noticed they haven't actually done a damned thing to fix this problem. I suspect that will change as our crazies keep on getting guns and going after them.

I also understand that the upper 5% probably pay something like 60%, or more, of taxes being collected. They think they are paying too much, which is flat out lunacy. Its pretty hard to feel sorry for billionaires.

***off topic***

If a person is angry about voter fraud in 2020 when there is no evidence...they are probably not right in the head. If a person storms the U.S. Capitol on J6'21 looking to hang the VPOTUS and Speaker...they probably not right in the head.

***back to topic***

In Seattle they are currently holding a crazy that threw a woman down some concrete stairs trying to kill her. He is insane and everybody agrees on that. However, that being said, they are currently paying him 250.00 a day to stay in jail until there is room for him in the remaining place, in the state to put the insane. The only other choice was to turn him loose so he could try and kill somebody else.

https://www.dailymail.co.uk/news/ar...snt-receive-mental-health-treatment.html

I kinda thought that might have got the state politicians to do something about the problem. Nope, nada! Apparently the reason for the daily payment is to flag the problem and also because he does not belong in jail he belongs in a place to get help. That is a huge step forward!

I also suspect every other state has, exactly, the same problems in that we seem to have A LOT of crazies currently manning the streets. Its really time to fix this one. Oh, almost forgot, we also, nationally, don't have enough shrinks to deal with mental problems as well. One of the real problems is that sending the insane to prisons has been the solution for, at least, 20 years. Washington seems to be ahead of that curve but it also means that many state continue with prisons instead of help.

I also believe that its really time to start getting the needed university graduates to staff the nation. We are short of doctors, engineers, shrinks, and some others. How about using one we used to have and Canada still does. Get them into universities and, when they graduate, to goto work for gov to do what needs to be done for a few years and then they are forgiven any education debt afterwards.

Tally of homeless veterans fell 11%, biggest drop in 5 years

WASHINGTON (AP) — The number of veterans in the United States experiencing homelessness dropped by 11% since 2020, the biggest decline in more than five years, the Biden administration reported Thursday.

There were 33,136 homeless veterans in January of this year, compared with 37,252 in 2020, according to the Point-in-Time count conducted by the departments of Veterans Affairs and Housing and Urban Development as well as the U.S. Interagency Council on Homelessness.

https://www.newsnationnow.com/us-news/tally-of-homeless-veterans-fell-11-biggest-drop-in-5-years

Amy Coney Barrett denies request to...iveness plan but program remains blocked

The argument against the six AG lawsuit against Student Loan forgiveness is that borrowers are not obligated to stay with the lender - in these cases, the lenders are states with state-run student loan programs. A borrower can have another bank or loan company can buy that loan and the state's student loan program will lose on that interest anyway. There really is no merit to the the AG's lawsuit.

The only reason why these states got into the student loan business in the first place is because of the money to be made from the interest from the loan. It certainly wasn’t to help anyone but themselves.

The Biden administration filed an appeal to the USSC asking that it cut the malarkey and reinstate President Joe Biden's student loan forgiveness program. The program was put on hold Monday by an injunction from the Eighth US Circuit Court of Appeals in St. Louis. In a separate case, the administration is also appealing a different ruling by a federal judge in Texas. That appeal is going through the Fifth US Circuit Court of Appeals in New Orleans.

The judge ruled the states didn't have standing to sue, because they weren't harmed by the program. The appeals court then...
As I wrote above. The loans don't have to stay with the originating loan granter. Anyone can move the loan to another servicer and the state would lose money on that loan. It's an asinine argument that the conservative states are trying to make.

The big problem in challenges to the loan forgiveness program has been finding anyone who can credibly claim to be harmed by someone else having their debts forgiven, but rightwing foundations and law firms are nothing if not enterprising in scraping up plaintiffs if there's a chance to wreck a popular federal program.

It's clear to everyone that only Republican presidents have unlimited executive authority - per Republicans.

I can't wait to see what these idiots do with Hunter's laptop that was in Rudy Giuliani's possession.

On a related note Judge rules to erase the student loans of 200K borrowers who say they were ripped off. I recognize that this is a different issue, but there are probably a million students in similar circumstances (435,000 have already applied). The last administration sat on over 200,000 of them.

This will make Rwingers' heads explode.

Currently ol' Joe's SecEd is prepping to go in front of the SCOTUS in March 2023 to argue against the various State Attorney's lawsuit to quash Joe's 10K - 20K student loan forgiveness.

Very cool.

...but the following is what will make Rwing heads explode.

Pretty much, everyone will be steered into Income Driven Repayment (IDR) currently set at 10% of discretionary income. On July 1, 2023, the maximum monthly repayment amount will go down to 5% of discretionary income.

Currently, if you have income-based repayment and your payments aren't enough to pay the interest on the loan, the unpaid amount of interest is capitalized back into your loan, so your balance still keeps rising every year.

Under the new plan, if a borrower’s payment isn’t high enough to cover the interest due that month, the remaining interest will not be charged or tacked onto the balance as it is today.

Additionally, the new proposal would tweak the definition of "discretionary income" - which currently uses a formula designed to exclude costs of food and rent for a given area - the new definition will exempt more income, which would result in lower payments, too. And instead of having to recertify your income-based repayment every year (oh yeah, I need to do that! Us student loan IDR'ers have to this by July 31st every year), borrowers who opt in to allow sharing of their information from IRS can just let the Student Loan program recalculate it annually.

But wait! There's more!!!

Back in April 2022, the Education Department announced it would be making up for some very bad behavior on the part of a lot of loan servicers by doing a one-time adjustment to the amount of time that borrowers need to make payments.

You see, the Education Department requires loan servicers to inform borrowers of all their repayment options so their loans won't go into delinquency, including the availability of income-driven repayment plans (IDR). But a review of actual practices found that instead of doing that, a lot of loan servicing companies steered borrowers who couldn't afford to make payments to put their loans in "forbearance," which means that the borrowers didn't have to make monthly payments, but the loans continued to accumulate capitalized interest, which rolled back into the total balance owed.

This is where I raise my hand and say "Oh yeah, that was me! Nobody told me anything about IDR plans until I applied for one a few years ago!"

So for ALL OF THOSE YEARS I was in forbearance, with interested being added and added and added and added, my loan will be reset this summer so that those forbearance months will be IDR months at $0 monthly payment (Yes! You can have $0 monthly IDR payments) and will count towards the 20 year termination of the loan.

Oh...did I forget that part? Yes I did! Every student loan will now terminate after 20 years - regardless. Grad loans will terminate after 25 years.

Pretty nifty huh?!? Thank you dark Brandon!!!

SOURCE: Federal Registry

Sounds nice.
I wonder why they don't apply something like that for my mortgage?

...because mortgages are dischargeable in bankruptcy, student loans are not. Student loans are a debtors prison thanks to the 2005 Republican bankruptcy reform.

Other than that, you think there should be forgiveness for mortgages?

THAT is a pretty big distinction between the two. Mortgages have always been able to be forgiven through bankruptcy. I don't see why that should change.

But once the bankruptcy occurs on a mortgage, do the people get to keep the house?

I'm not a bankruptcy expert, I'm not aware of bk outcomes. On basic level, mortgages are tied to a tangible object, student loans are not as education not tangible.

Why would there ever be foreclosures if you could discharge a house mortgage through bankruptcy? Home equity is most people's majority of assets.

I just received notification from the Department of Education that my FFELP Student Loan is being pulled from Navient and is being transferred to a new Department of Education servicer called aidVantage as a Direct Student Loan, loan consolidation and no longer to be a FFELP Student Loan.

As a FFELP Student Loan, I was not eligible for loan forgiveness or payment hiatus due to COVID - I had to pay no matter what. Forgiveness is only allowed for Direct Student Loans older than 20 years.

Now my 29 year old loan (March 9, 1994) is on its way to being discharged because the age of the Navient loan carries over to this new loan.

it's getting there...



I called the Dept of Ed today to find out what's going on with my loan. It's paid off at Navient, but does not show up at aidVantage. Dept of Ed said to call aidVantage.

I called aidVantage, they said the loan is in the process of being transferred to MOHELA. MOHELA is the servicer that forgives loans when folks have done government service or non-profit jobs. I worked for a school district for 12 years planning menus and buying food for a school district whose population was 83% of the students qualified for free and reduced meals.

Even though the account was closed with Navient on February 27, 2023, Navient just reported the account closed this past week in April 2023, backdating to the March 3, 2023 statement date.

The highest balance Navient is reporting is the original $29,500.00, not the payoff amount of $129,541.77.

That would make it seem that it took me 29 years to pay off a $29,500.00 loan. Navient needs to report the true highest balance as the true and correct highest balance.

Companies like Navient never cease to think of new and clever ways to screw people over. It's just amazing - and not in a good way.

I received the following email from the Department of Education:

The Opt-out is an option now because of the Frank Garrison lawsuit I wrote about on page 1 on September 28, 2022.

Some states are requiring that the loan forgiveness be considered income and state taxes are to be paid on that amount. I live in WA state and we have no personal income tax to pay.

Navient collected over $113,000.00 on the interest on an original loan amount of $29,500.00 from my loan They have made more than enough profit.

I filed a complaint against Navient with the Consumer Financial Protection Agency this morning. Republicans are trying to defund the CFPB. Navient has never corrected the high balance to be $129,541.77 to the credit reporting agencies - they're still reporting the balance of $29,500.00.

The CFPB has the ability to fine and sue companies that are egregious to consumers. No wonder the Republicans want the CFPB to be defunded.

On July 14, 2023, I received an email from the Department of Education stating that my student loan, all or in part, will be forgiven. I had until August 13, 2023 to opt out.

News of 804,000 loans to be forgiven made big news.

The CATO Institute, a Koch Bros entity filed suit to block this forgiveness. On August 14, 2023, the judge ruled that the CATO institute did not have standing. Read here why the judge stated that CATO Institute did not have standing.

Congratulations, Rick! It appears from your series of posts that they are exactly the kinds of behaviors that the Biden administration has been focusing on. That your $29K loan ballooned to nearly 4 times the original debt is the biggest problem with the program, and why it is such a drain on the economy.

It's ridiculous that the loan existed at 9% interest the entire time. That type of rate is usury.

First, they get a bunch of 18 year old kids and tell them that they will loan them the money to goto university. They never mention the interest and there was actually interest higher than most banks were charging. I knew one heart doctor who gave them 100,000 dollars and it didn't even cover the interest (she moved to Canada) Its my understanding that the banks they put in charge of these loads were getting rich off the interest. There are people who paid for over 20 years on one of these loans. Basically, this whole deal was to make certain banks rich and a bunch of kids very poor.

I was against this from the getgo. It was poorly put together and nobody seemed to mean it would leave a LOT of people trying to pay their bill which was getting bigger and bigger with more and more interest. It put my country in the banking business and I was also against that. Biden knows this and has been trying to bail folks out. I wrote to him and told him that I thought that he should take all interest paid and apply that amount to the amount owned. If its more than what is owed then mark it as paid. If I am right about the banks and the interest then gov should also have a little visit to the banks and ask if they were going to share the wealth with their country. (I know, won't happen but .......)

The people who really got screw are those that never paid for the interest. By the time they learned that their interest debt was bigger than the original interest. I wonder how many debtors paid off the debt but has not yet paid the interest which apparently gets bigger than the original loan.

Ol' Joe is using a provision of the 2005 Bankruptcy Reform Act to forgive student loans after 20 years. This law was written by Congress and GWBush signed it. Not much Republicans can do about that given their slim margin in the House and minority status in the Senate.

Why don't they fix the problem instead of handing out taxpayer dollars? That's not solving what the problem is, it's just a giveaway!! And to be quite frank, this is one huge checkmark against Biden in my book!

You do realize Biden is cornered at every turn as to what he is able to do about this, yes?

Rs would support ol' Joe if it were to the R benefit - not the American people's benefit.

I understand that Biden can only do so much. I am glad he is limited. This needs to be fixed in Congress and the Senate. But, cash giveaways only pay off someone else's debt - not a long-term solution.

I don't care who the beneficiary is for this one. I have a daughter-in-law that will probably benefit from this. That's good for her, but I still don't think it should be a cash giveaway. She would never in her life vote for Biden.

There has got to be a long-term fix for this. Are we going to start paying for everyone's extended education for free? If that is what is wanted, find a way that it doesn't burden the individual taxpayer more than it already does. We already pay enough for taxes!

I understand how important education is. Fix it so people can afford to go to extended education.

Oh, on a side note, I am not an R and am insulted that someone other than an R can not criticize Biden and what he does.