Tag: student loans
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Student loan forgiveness was regressive and progressives won’t admit it
Broad student loan forgiveness disproportionately benefited higher earners. Here’s why progressives’ reluctance to acknowledge the math undermines their own goals.
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Why good debt vs bad debt is oversimplified
The good-debt vs bad-debt framework is a beginner heuristic that breaks down quickly. Here’s why context, rate, and timing matter more than category.
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Federal student loans caused tuition inflation, full stop
Tuition tripled in real terms while loans expanded freely. The economics aren’t subtle: easy money produced rising prices, and the Bennett hypothesis was right.
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Financial aid offers are deliberately confusing because schools profit from it
College financial aid letters mix grants, loans, and work-study without clear labels. The confusion isn’t a bug — it inflates net tuition by design.
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Student loan forgiveness was overdue and conservatives are wrong about who benefits
Student loan forgiveness gets framed as a giveaway to elites. The actual data tells a different story about who carries the worst debt and why relief made sense.
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Income-driven repayment is a trap dressed as relief
Income-driven student loan repayment plans look like relief but often extend debt for decades and inflate balances. Here’s how the math actually works.
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Why Some People Should Never Pay Off Their Student Loans
For some borrowers, paying off federal student loans is a financial mistake. Here’s why income-driven repayment and forgiveness programs change the math.
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Student loan forgiveness debates ignore the graduate-degree problem
The student debt crisis is overwhelmingly a graduate-school crisis. Forgiveness debates that ignore that fact end up subsidizing the wrong borrowers.
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Student loans are not always good debt
Student debt was sold as the safest borrowing in America. The math has changed. Here’s how to tell when a degree pays off and when the loan becomes the trap.