http://www.nationalreview.com/article/437547/hillary-clinton-student-loan-plan-terrible-mess A couple excerpts from a source I'm on the fence about: and Article has much more. Americans could borrow no money but then have no degree and companies seem to like degrees. That means, in the law of supply and demand, colleges will jack up rates - they used to be nearly 1120% less in 1978 compared to today. It does not matter who backs the loans, whether it's government or a bank. Since it's clear that colleges have indeed diluted course quality, since even Tim Cook whines about the quality of the educated, perhaps a solution is to make colleges pay back the money since most students went back to college in good faith since the great recessions, of which and before which they were not rolling in money either due to the economy and prevailing wages combined with raw costs. The article discusses the pros and cons of "free" education, but the article itself seems to be lacking detail on what led to today's mess and how to fix it. The article isn't perfect, but what could the writer of that article say is a better solution than the one Mrs. Clinton has put out? Instead of going into ******** tangents such as health insurance reform/Obamacare/Romneycare, which are not relevant to college costs. Oh, you will find an amusing part of which the author admits the economic system is perverse... but it's more perverse to claim taxpayers are paying for it because, no, they are not. In paying back the loans, the loan takers are. If they go into default, the lump just doesn't magically disappear, so the claim taxpayers are footing the bill is magical thinking and a typical right-wing meme. But since almost everyone is in agreement over the **** quality of the higher education that's setting America back, maybe the next debates will go into more detail? Speaking of, http://www.studentdebtrelief.us/forgiveness/hillary-clinton-student-loan-forgiveness-plan/ Wait, private sector APRs are lower? Sweet! But the National Review article claims government has a monopoly on loans... like I said, the source is questionable. Especially as they claim "artificially lower", which seems like more bull plopped onto the pile.