I did this once. Then all my friends did it after I explained the mechanism. After a while, I realized it was rather morally reprehensible (they later froze low

I did this once. Then all my friends did it after I explained the mechanism. After a while, I realized it was rather morally reprehensible (they later froze low interest student loans) so I paid off the loans. They gave a "discount" on repayment a few months after, but by then I paid it off. I don't know what the moral is, but I'm the kind of person who feels good about paying more taxes.