so what does the mechanism for proposed debt forgiveness even look like if you refinanced are you SOL
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I think it's got to be a pragmatic yes too. I also can't imagine a one-size-fits-all general policy solution here. Everything is going to have to be case-by-case anyway, so it seems insane to do anything besides use the existing case inquiry mechanism in our legal system.
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How does this overcome: undergrad, masters, PHd (all at full freight fully debt), then immediate declaration of bankruptcy at graduation (throw in $20k of credit card debt for good measure)? In many ways I’m sympathetic to bankruptcy option, but the above nukes it
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