Who is "we", and what are the details of this "letting"? Why 18-22? A more specific proposal to consider: Congress could revert the 2005 decision that made pri

Who is "we", and what are the details of this "letting"? Why 18-22? A more specific proposal to consider: Congress could revert the 2005 decision that made private student loans much harder to discharge in bankruptcy. I don't know if that would be enough for the problem to then resolve itself, as I don't know what percentage of the student loan debt is made of private vs federal loans, but it's something specific and targets a particular feedback loop.