The Basic Problem of Student College-Loan Forgiveness

 Basically, you are asking me to financially forgive some supposedly highly gifted intellectual dumbass, who borrowed way more money than his degree ever was worth, and he can't possibly find a job that pays at the level to cover the $80k to $120k 'pit' that he or she seems to have fallen down into.

If this were your son 'Marvin' who wrecked his 7-year old Toyota and needed $8k....maybe that would make sense until Marvin admitted he was pretty wasted at the time, and the brake-light had been on for two weeks.

If this were your daughter 'Tiffney'.....who accidentally set her trailer on fire last weekend, and needed you to compensate her with $22k for a new trailer....it'd make sense to help her out.  Course, when you found out that she was hyped-up on meth, and intentionally set the mattress on fire....would you pull the money from savings to help her?

If this were your nephew 'Woody' who wanted $15k for a 'worm-farm' enterprise....you'd ask some questions and discover that Woody doesn't have a business plan or any idea how the farm would work.  Your odds of loaning him the money?

So I'm looking at this Biden project and asking three key questions:

1.  If these idiots were stupid enough to borrow $80k for a worthless degree....what's that say about their level of common sense, and the odds they'd go and borrow $150k somewhere else in the future.....to potentially fail on that loan?  This sounds like the idiot bankers and insurance idiots of 2008, who were too supid to run their business operation.  

2.  If I made it to a bachelor's degree, without borrowing a nickel....what's it say about these idiots who borrowed $90k?  What did I do wrong?

3.  Finally, if we have that many worthless degrees out there....shouldn't there be a plan to dismantle the whole public college platform and dissolve about forty-percent of the programs that exist?  Just tell the kid that two years of HVAC studies at a junior college gets the same level of pay as a worthless degree at a four-year college.  

My chief problem here now?  I have to sit there and listen to 100 different idiot senators who appear to be even more stupid than the kid who got into $100k of debt with a degree in gender-studies and no real job prospect except running some department in Pennys or Wal-Mart.