Why just Student Debt: Why not other debts?

@quackquack said
People who pay tuition without government loans are no less citizens than those who had loans. To give a benefit to one without the other is flat out unjustified.

By that logic, any anti-poverty program which has need based on income or other factors is "flat out unjustified".

That position has been unacceptable to mankind since its start.

@mott-the-hoople said
“ No, you don't have to show "undue hardship" to get other debts discharged in bankruptcy. “

explain…which bankruptcy can you receive without proving undue hardship?

did you understand the words you posted?

“ There is evidence that this hardship will continue for a significant portion of the loan repayment period”

Yes, I understand what I posted.

No, you don't. But that's because of your stubborn stupidity, not because the site I provided doesn't adequately explain the difference between the special test for student loan debt that other debts do not have.

@no1marauder said
Yes, I understand what I posted.

No, you don't. But that's because of your stubborn stupidity, not because the site I provided doesn't adequately explain the difference between the special test for student loan debt that other debts do not have.

well I can only go by the words you posted...proving hardship.

you didnt address this...

[explain…which bankruptcy can you receive without proving undue hardship?

@averagejoe1 said
I do not disagree, of course, but your post begs the question, do you say that the govt would have different parameters qualifications, of the situation of the debtor than the bank would?

Obviously. Federal debts are different from private debts. The Government can't dismiss legal private debts apart from bankruptcies.

Secondly, given your comments, if the govt or bank forgives a student debt, how can that be more important than a $100K medical bill of another citizen? This is the crux of this thread, and everyone here is dancing around it.

Again, medical bills are private debts; most hospitals are privately owned businesses. You can't petition the government to eliminate all private debt. You can petition the government to forgive debts they do own, like student debts.

Understand?

@quackquack said
People who pay tuition without government loans are no less citizens than those who had loans. To give a benefit to one without the other is flat out unjustified.

That makes no sense.

If I give out a loan for school, does someone who paid tuition out of pocket have the right to complain if I choose to forgive that debt?

@mott-the-hoople said
well I can only go by the words you posted...proving hardship.

you didnt address this...

[explain…which bankruptcy can you receive without proving undue hardship?

I did address it.

"Undue hardship" is a more rigorous test than "hardship".

Try reading the site I provided you. For one thing, someone who wants to file for relief from student loan debt in bankruptcy has to file for an adversary proceeding, something not required for almost all other debt. For another, they have to satisfy the three pronged test I gave you which other debts don't.

Is that really so hard to understand?

@vivify said
Obviously. Federal debts are different from private debts. The Government can't dismiss legal private debts apart from bankruptcies.

Secondly, given your comments, if the govt or bank forgives a student debt, how can that be more important than a $100K medical bill of another citizen? This is the crux of this thread, and everyone here is dancing around it.

A ...[text shortened]... t. You can petition the government to forgive debts they do own, like student debts.

Understand?

It's like saying the government shouldn't forgive IRS debts for anybody unless they reimburse everybody for taxes paid in prior years. But the IRS negotiates down or outright forgives billions of dollars of tax debt every year. https://www.taxgroupcenter.com/irs-debt-forgiveness-program/

@no1marauder said
It's like saying the government shouldn't forgive IRS debts for anybody unless they reimburse everybody for taxes paid in prior years. But the IRS negotiates down or outright forgives billions of dollars of tax debt every year. https://www.taxgroupcenter.com/irs-debt-forgiveness-program/

It's called,
''An Offer in Compromise.''
Did one myself, no student
loan was involved........

@no1marauder said
By that logic, any anti-poverty program which has need based on income or other factors is "flat out unjustified".

That position has been unacceptable to mankind since its start.

It is flat out unjustified to undo a contract for some but not others. You can use your savings, you can borrow from family or friends you can get a private loan, you can get a government loan. There is only one reason to forgive the obligations of one group and not the others and it is the worst thing about government. You want winners and loser to push an agenda and to make groups beholden to you for future votes.

@quackquack said
It is flat out unjustified to undo a contract for some but not others. You can use your savings, you can borrow from family or friends you can get a private loan, you can get a government loan. There is only one reason to forgive the obligations of one group and not the others and it is the worst thing about government. You want winners and loser to push an agenda and to make groups beholden to you for future votes.

LMAO! IRS debt gets negotiated or forgiven all the time; I haven't seen you railing against that practice.

Bankruptcy "undoes contracts" for some but not others for millions each year. Your objections are incoherent given long established acceptable practice in other areas.

Advocating unpopular positions either way might cost someone politically. That's called representative democracy.

@no1marauder said
LMAO! IRS debt gets negotiated or forgiven all the time; I haven't seen you railing against that practice.

Bankruptcy "undoes contracts" for some but not others for millions each year. Your objections are incoherent given long established acceptable practice in other areas.

Advocating unpopular positions either way might cost someone politically. That's called representative democracy.

Student loans are easy to get and have no collateral because the promise to pay is not dischargable in bankruptcy. You now want to undo the obligation and allow those people to keep the benefit. Yet you refuse to give the same benefit of reimbursement to others who paid the tuition but were more economically responsible. Your proposal allows some to shirk their agreed upon responsibility at tax payers expense without giving any benefit to those who are similarly situated. You should be laughing at yourself, not me.

@quackquack said
Student loans are easy to get and have no collateral because the promise to pay is not dischargable in bankruptcy. You now want to undo the obligation and allow those people to keep the benefit. Yet you refuse to give the same benefit of reimbursement to others who paid the tuition but were more economically responsible. Your proposal allows some to shirk their agreed ...[text shortened]... iving any benefit to those who are similarly situated. You should be laughing at yourself, not me.

You present yourself as a 'personal responsibility,'
church going, tax paying, Republican voting fellow.
A 'Pillar of the Community,' are ya?' The female player,
BustyBeaver, told me that you're not quite like that at all.
Fact is, she told me that you are really a creepy, porn minded,
individual that constantly badgered her for pictures of herself.
So you can dismount your self righteous, high horse before
people begin to think that you are really just a two faced pervert.

@jimm619 said
You present yourself as a 'personal responsibility,'
church going, tax paying, Republican voting fellow.
A 'Pillar of the Community,' are ya?' The female player,
BustyBeaver, told me that you're not quite like that at all.
Fact is, she told me that you are really a creepy, porn minded,
individual that constantly badgered her for pictures of herself.
So you can dismount ...[text shortened]... lf righteous, high horse before
people begin to think that you are really just a two faced pervert.

I don't go to church or belong to a political party or badger chess players for pictures but feel free to stereotype and make up facts.

@quackquack said
Student loans are easy to get and have no collateral because the promise to pay is not dischargable in bankruptcy. You now want to undo the obligation and allow those people to keep the benefit. Yet you refuse to give the same benefit of reimbursement to others who paid the tuition but were more economically responsible. Your proposal allows some to shirk their agreed ...[text shortened]... iving any benefit to those who are similarly situated. You should be laughing at yourself, not me.

Unless you're objecting to any forgiveness of debt, your position is logically incoherent.

Railing against people who find it difficult or impossible to pay their debts might give you some sense of superiority but there are plenty of government programs that provide for forgiveness of debt. Objecting to a proposal to forgive one type which is presently treated more harshly by law makes little rational sense.

@quackquack said
I don't go to church or belong to a political party or badger chess players for pictures but feel free to stereotype and make up facts.

Wonder why she would lie to me?
You didn't solicit photos from her?
Do you have any idea where that
idea came from, if not from her?
By the way, you haven't denied it, have you?