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Chrkeller said:

If loan forgiveness happens, I'm buying a boat and having society pay for their college.  

Income-based and service-based loan forgiveness programs were passed by Congress in 2007, signed into law by Bush Jr., and are starting to take effect about now (ten years ago for PSLF.) The U.S system is increasingly approximating the systems of the rest of the anglosphere where student loans are essentially amount-capped graduated income taxes by those who benefited from tertiary education. 

You probably should've started looking into boats from the start if that is a concern.