Cherry picking student loan payments is a heck of a random factor to usher this “hit”… of the available indicators: credit derating of the US, higher interest r

Cherry picking student loan payments is a heck of a random factor to usher this “hit”… of the available indicators: credit derating of the US, higher interest rates, historic strikes, inflation, etc. But we are talking about student loans because it goes into the Obama era affordability calculations in the post-2008 crisis. This, in my opinion, is short sighted and has little to nothing to add to the risk profile of a 30year loan. IMO borrowing rates are high and going higher, for no other reason than the US has no effective legislative actors to write the checks or govern. Also insurance agencies not covering certain areas of the country is going to torpedo large markets, and states that underwrite them, like CA are essentially trying to underwrite climate change without making the premiums unaffordable… what a pending mess.