this post was submitted on 08 Oct 2025
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[–] faythofdragons@slrpnk.net 6 points 2 days ago (1 children)

It’s almost like “too big to fail” but for people.

How? "Too big to fail" is bad because companies have multiple other methods of dealing with debt, like selling assets and declaring bankruptcy. Student loans can't be discharged via bankruptcy, and most people with loans don't have enough assets to cover their loans.

My loans were discharged under Biden, but that's because the government fucked me over on the PSLF and changed their mind after I'd done the time doing palliative care for developmentally disabled adults.

You want to talk about sacrifice? I did a decade of dealing with literal feces because I was providing care to autistic people that had developed dementia, and I was only getting a couple bucks more than minimum wage. The payoff was supposed to be student loan forgiveness, but the fucking government went back on their word, and now Biden's the bad guy for doing what was originally promised? C'mon.

[–] jacksilver@lemmy.world 2 points 2 days ago

Too big to fail means that the failure of a business or industry would take the country down with it. The college industry (as it's more an industry than anything else) has effectively become "too big to fail". But what's so insidious about it is that rather than all these schools carrying the debt, they've literally pushed it onto the students.

Forgiving student loans without a plan is a bailout for colleges and only accelerates the broken system.

As for screwing people over with changes to forgiveness plans (or making them too rigid in structure) is an example of something that needs to be fixed because it's clearly not working.