In general, I agree that people don't have a moral duty to act beyond their contractual obligations. With respect to student debt, it isn't just an individual

In general, I agree that people don't have a moral duty to act beyond their contractual obligations. With respect to student debt, it isn't just an individual choice to default. That isn't a contractual option available. Instead, some people are seeking positive action from others to void the contract, and this is action is politically contested by those with the power to do so.