In my mind it's not so much a specific rate being evil, rather that their justification for its rate being unfounded. The only way to escape a federal student

In my mind it's not so much a specific rate being evil, rather that their justification for its rate being unfounded. The only way to escape a federal student loan is dying. Loan forgiveness is the government paying the creditor. It's not your average unsecured loan you can shirk through bankruptcy.