this post was submitted on 25 Apr 2024
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More like, "we've invented a cure for cancer, but only people who have cancer right now can get it. People in the future are fucked once again and won't get the cure."
Loan forgiveness without making education affordable going forward doesn't solve the problem. It's pulling up the ladder.
So we should just not let the people currently sick have the cure? ๐ค
Even in your analogy, curing any cancer today, even if it doesn't extend to future sufferers, is an improvement over curing no one. Because fuck cancer, and fuck student loans.
Don't let the perfect be the enemy of the good.
Imagine if researchers said: We're working on a cure for cancer, and in the process we've generated a bunch of unobtanium. We can use it as a one-time cure for a bunch of current cancer patients, or we can use it to continue further research towards a permanent, universally-available cure. Obviously, if we use it all up now, we'll be back to square one and have to start generating it again before we can work on a long-term cure. Which would you pick?
"Unobtanium" is political will. If we just do a round of bailouts for current loan-holders instead of addressing the root cause of spiraling education costs, we're just kicking the can down the road. The pressure will be off, a whole generation of 20- and 30-somethings will lose interest in the issue, and it'll fall off the political radar for another few decades, by which time GenZ+ will be well and truly fucked, since educational costs are only going up and up.
The absolute worst way to address rising education costs is to encourage a bunch of students to take ridiculously large loans and then wipe them off the books. That means: 1) schools can raise prices to the roof because they know students have access to mountains of cash from loans, and 2) students won't hesitate to take the loans because they'll probably just be forgiven eventually. Probably. Maybe. Or maybe it'll be a millstone around their neck for the rest of their lives...but hey, what choice do they have, that's just what school costs (because governments make sure students have all the money they need for a bidding war to get in).
So it amounts to just transferring huge piles of taxpayer money directly to overpriced schools and predatory banks, with no plan to stem the flow. It's like trying to help your drug-addicted friend recover with a one-time gift of a brick of heroin. They'll feel great for a while, and they'll love you for it while it lasts, but it's only going to make the problem much worse in the long run.
"Sorry about your cancer. We have to let you die so maybe cancer researchers will be motivated to try harder for a permanent cure."
Get out of here with that bullshit.
Why not contribute something yourself, or address the arguments they're making instead of dismissing them out of hand?
We should still do good things even if we can't do all the good things.
What I don't get, is that what moderates keep saying...
You know, the people that constantly shit on progressives and claim we don't want anything unless it's everything.
Isn't the whole moderate mission to take what we can get now and keep working for more? I'm not saying that's what they actually do, that's just their excuse for not fighting for more.
So shouldn't the ones pushing for loan forgiveness now and fixing the underlying issue later be the moderates?
Instead they say if we can't 100% fix the problem in perpetuity, we can't do anything.
Exactly. Arguing that you're against helping people now because it doesn't go far enough is ridiculous. Help people now. Then continue helping people. Don't let perfect be the enemy of progress.
Those unrealistic idealists are so frustrating to argue with. Is this a great first step? YES! Can we do more? Also YES.
Take the win, and use that momentum to drive mode change. Trying to go from 0 to 100 in one step is just not realistic.
There's a difference between a start and means testing tho...
Those same moderates like to use means testing to erode away support for more, and to get the people who don't make the cut to vote against it.
It's how moderates have been opposing universal healthcare for over 80 years.
Social Security was supposed to be a temporary compromise to help the neediest while the government worked out the wrinkles for universal healthcare that was for everyone.
It's because moderates are what conservatives claim to be. They are pro-status quo and keeping change as show as possible (as opposed to conservatives that just want hierarchical power structures that let them exercise power over others, no matter what changes are required).
Well observed. Conservatives in the US are reactionary but those described as moderates are basically NIMBYs standing in the way of those who want to tear down what's left of the country.
Could also be "but we might give the cure to people who have cancer in the future, but nobody knows if the government will allow it"
So the people who could get relief should abstain because the door is shut on any legislation as long as the GOP are in power?
Awfully compassionate of you.
I'm on board, as long as we forcefully agree that cancelling the loans is a good thing - it's just NOT ENOUGH
Exactly , rather than only forgiving existing loans that should make education free and also forgive existing loans , and perhaps give people who have already paid off their loan some kind of stimulus check as a kind of recognition that their struggle was just as hard as everyone else's and they deserve a break too.
What about those of us that didn't go outright because we couldn't afford it nor get the loans?
... I'd still be more than happy if education was made free, but there are A LOT of people the system has fucked and Democrats barely even want to glance at the lowest hanging fruit.
Isn't the lowest hanging fruit exactly what they're targeting, i.e. the people who currently have loans, and the higher hanging fruit all the other circumstances people are mentioning here like already paid off their loans or future student who will get loans or in your case people who forewent becoming a student due to the loans?
Yew, my point is they are ONLY targeting the lowest hanging fruit.
I bring it up NOT to just poopoo on Democrats, but to offer perspective. An inflatable life raft should NEVER be viewed as a fully functioning, sea-worthy vessel, and inflatable rafts is all Democrats ever offer, let alone fight for.
Yes, that's better than the sabotaged canoe Republicans offer, but again, it's about perspective. Some people are not OK with celebrating a dingy like it's a ship.
Again. No one who is for student loan forgiveness is outright against assistance for low wage earners. They are not linked. If its who gets the bite at the apple first than do every thing you can to remove the GOP from power.
Declare that future student loans are also automatically forgiven. You take a student loan tomorrow? You don't have to pay it back. This, of course, will mean that no one will want to give student loans - which will force the tuition down.
At that point why not just cut out the lenders entirely and make college free/publicly funded for all students like they do in Germany? An educated population yields many returns for a society and it will pay for itself with the boost to our economy it would provide.
I thought the U.S. government already took all the loans. So wouldn't the lender be the U.S. government, and the interest goes to paying for the companies managing the loans I would assume. My interest rate on some of my loans went from 2.4% to 4.8% if I remember correctly (was sometime between 2008-2012 time period). I don't believe students can go to a bank and get private student loans unless there is some loopholes. That said, cancelling student loan debt would simply mean not paying themselves back. Student loans are tax deductible as well, so when you pay them it would essentially come out of your taxes income, so if you could magically pay 10k off one year, it should come off your highest taxes income bracket. I still owe some, but I'd be fine with at least making it free college for AS/AA and 0% interest on student loans past that for all new takers. If they could make it free for BS/BA I'm still fine with being stuck with mine so long as we can figure out how to fix it for the future generations.
There's both private and federal (public) loans.