> Punishment is a consequence for your actions. Right. That's why I said I was being punished for choosing to avoid loans. It's what makes loan forgiveness suc

> Punishment is a consequence for your actions. Right. That's why I said I was being punished for choosing to avoid loans. It's what makes loan forgiveness such a moral hazard: we discourage people for making the financially prudent decision to avoid crippling debt. If I had instead borrowed money to finance my education, I could have gotten it forgiven and avoided this punishment.