PSLF requires payments to be made for 10 years before any forgiveness would apply.

The same people *****ing about CPS botching abuse investigations don't realize that investigators are taking two or three times their optimal case load because of short staffing. Fewer and fewer people are going to be able to afford a four-year college degree only to start on a salary of $45,000. After making student loan payments they would be barely able to afford basic necessities. The people taking those jobs are people who struggled to get hired at better paying ones.

And no, the free market does not exist there. The state legislature is not about to give raises to state employees. When something bad happens they will just blame the agency or the staff and continue to under budget them.

We don't need to be scraping the bottom of the barrel. It's in the public interest to encourage smarter, deeper talent pools to work necessary government jobs. PSLF is a way to do that.

Line Ate Member said:

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I have student debts. I am paying them off. The only caveat that no one seems to be addressing regarding the difference in college costs pre and post government involvement.

I agree that the market will level and some of these arts degrees will hopefully not be funded by student loans in the future (if you want an art history major, you will have to fund that yourself). However, when the government waded into the student loans game, ALL degrees became more expensive because all colleges saw fit to get as much money from the government through students and their loans, as possible.

I went to school and left with a loan that could have bought me a really nice car. I went back to school 6 years later for college costs equating to a really nice SUV. You can argue all you want about paying back debt, but the costs of college from one generation to the next is not even remotely the same.

I will add that I am happy to pay my debt. I took them on with the knowledge and foresight that I would have a job that could pay them off. But arguing that because you paid for college with no debt by working and taking out a small loan and then paying it off is slightly different due to what our government and the colleges decided to do to students.

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I agree that government involvement has skewed the college attendance cost. But it is on the borrower to evaluate whether the cost if worth the benefit of taking on those loans. Personal responsibility.

I understand the stress involved with these decisions. I borrowed $200k to attend law school and started repayment 9 years ago. There was definitely risk associated with my decision to do that but I had contengency plans that mitigated that risk. PSLF was one of those plans.