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This WSJ article summarizes my problem with student loan forgiveness proposals. I worked through school, lived conservatively and kept my borrowing to a minimum. Then I refi’d my house to pay off my loans! How is forgiveness fair? Instead: permit student loans to be dischargeable in chapter 13 bankruptcy, give debtors (and parent co-signers) a reasonable repayment option, fixed or no interest, based on each person’s unique circumstances.