No, it's transferring student loan debt from the bottom 2 quintiles of income earners to the 2 top quintiles of income earners. The top 2 quintiles are the only income quintiles that actually have a net positive tax contribution in the US. They also have the most Ph.D., MD, DO, and Masters degrees. They also have the greatest amount of student loan debt. It is a bait and switch for them because they would have to pay it off, anyway. But it also transfers more debt from the bottom 3 quintiles of income earners to the top 2. https://pic8.co/sh/q1ro1i.png Remember, kids, 3/5 of Americans are net negative tax contributors. Any type of tax dollars spent are tax dollars collected from that top 2/5 of Americans. You're welcome.