Just remove the tax penalty from https://en.m.wikipedia.org/wiki/Income-based_repayment https://en.m.wikipedia.org/wiki/Income-based_repayment and student loans

Just remove the tax penalty from https://en.m.wikipedia.org/wiki/Income-based_repayment https://en.m.wikipedia.org/wiki/Income-based_repayment and student loans won’t hold anyone back. (You pay only up to 10-15% of your discretionary income. After 30 years the remaining balance is forgiven, but the IRS considers the forgiven balance income and will try to tax you on it) Also, this should be the default payment plan instead of the 10-year repayment which is currently the default. For some reason people don’t seem to be aware of income-based repayment and are always talking about how their student loans are holding them back, i’m not sure why but I’d guess like any program, the default settings are what most people stick with.