1) Those loans are offered mainly to 18-22 year olds, not 13 year olds 2) Subsidized loans are far less prone to moral hazard than handing out large vouchers

1) Those loans are offered mainly to 18-22 year olds, not 13 year olds 2) Subsidized loans are far less prone to moral hazard than handing out large vouchers to everyone. 3) Yes there are already bad actors exploiting students with federal benefits. We don't want to make it any worse.