If debtors could get organized and all stopped paying at once, it seems likely that Navient would run out of money before they got the spigot turned back on. T

If debtors could get organized and all stopped paying at once, it seems likely that Navient would run out of money before they got the spigot turned back on. The consequence of course would be that student loans would cease being made, or be made much less frequently. This would have effects, some good, some bad.