> This would again be a significant advantage for students from wealthy families who could opt out of the service by paying up... Or when those wealthy familie

> This would again be a significant advantage for students from wealthy families who could opt out of the service by paying up... Or when those wealthy families take a chance to build a business that goes wrong, they just file for debt forgiveness. Article 1, Section 8, Clause 4 of the United States Constitution authorizes Congress to enact “Uniform Laws on the subject of Bankruptcies throughout the United States.” It provides that Congress shall enact bankruptcy laws to allow Americans to exercise their bankruptcy rights. So filing for bankruptcy relief is your constitutional right, specifically guaranteed by the U.S. Constitution. Students should just file for debt forgiveness too.