system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: Paying off everybody’s student loans is a bad idea

As somebody who just graduated college and payed off all their student loans, I believe that making the taxpayers pay off everybody’s student loans is a bad idea.

1. If we could get that money, it would be much better used elsewhere (e.g. improving the quality of public schools especially in poor neighborhoods.)

2. Paying off everyone’s student loans would not solve the problem in the long term. In fact, colleges would just raise tuition even more if they know the government will pay for it. Tuition is so high right now because it’s all going to administrative bloat which isn’t improving the quality of education. For example, my college employed like 100 diversity officers that get paid six figures. I have no idea what that title means or what their job could possibly entail. That’s just one example, there’s just a lot of wasteful spending in general.

3. Not everyone with student loans is a super industrious victim who was let down by the economy and society. There are a lot of people who irresponsibly took out ridiculously high loans to go to out-of-state colleges because they “just wanted a change of scenery” or  “knew too many people going to their in-state school”. I know lots of these people.

4. It is not fair to people who worked their asses off to pay off their student loans or made sacrifices to not accrue so much debt in the first place. I’m sick of seeing the argument “We shouldn’t have antibiotics because it’s not fair to the people who died of diseases” or “freedom is a slap in the face to people who were slaves” or some bullshit variation of that. I cannot believe how many times I have seen this on the front page of reddit and how much people support it. It’s so fucking painfully obvious that taking out a loan is not the same as getting a disease. You don’t voluntarily sign up to get a disease. When you take out a loan you are fully aware of the consequences. The student loan website walks you through a bunch of shit to make sure you know full-well what you are doing and plan out how you are going to pay it off and stuff.
gpt
1: Eliminating student loan debt would be a pretty efficient sort of economic stimulus. The people holding the lobs will almost certainly spend the extra income on something.

2: Nearly everyone pitching student loan forgiveness also has plans to reform how college gets paid for. The student loan forgiveness would be part of a package deal to reform how people pay for college—not a one time gift.

3: The fact that some people overspent on a lavish college experience isn’t really an argument. So what? It would be impractical to try to go back and determine what was immorally wasteful and what wasn’t. The proposals are usually for canceling federal student loan debt, and there’s pretty sharp limits on that. The people living it up on borrowed money usually ended up having to dip into other sorts of loans since the yearly limits in the federal loans basically cover tuition.

4: The fact that a student loan forgiveness program wouldn’t help everyone equally also isn’t really an argument. It’s still morally preferable to help many people even if it won’t necessarily help everyone in every situation. You’re effectively just saying that some people who already paid off their loans deserve an advantage for having struggled more with burdensome loans. More to the point, the loans were significantly cheaper to pay off many years ago—the further back you go the less of a burden the loans were to pay.