Over the decades the various student loan programs and forgiveness options have just built a litany of problems (some I would argue fit a lay person definition of fraud). As a less common example I discovered the hardway over a decade ago that the public service forgiveness was a joke, and not even for all the reasons commonly given. It was heavily promoted at my private grad university as an option for all working on our licenses, but buried in all that red tape was that the forgiveness only ever worked for specific types of public loans. None of which were actually offered as part of my package to begin with. Frankly most of the loans I'd ever been offered did not qualify at that time. Then of course there was the standard repayment options defaulted to paying off your loan in 10 years anyway, so by time you qualify there is nothing left. I also realized that despite working in a major metro area, you can't guarantee that you get hired at a district that qualifies for the forgiveness option was a frequently overlook hurdle. Today of course you could almost guarantee your district qualifies, but fluctuating economic condition can alter whether or not your district qualifies over the course of 10 years. All of which just amplifies OWBC's point about all of these things being overly dependent on predicting the future. My teaching cohort actually had both an ex-physician and an ex-professional cyclist. So while I can try and play the complicated gymnastics, better policy is something simpler and more robust.