[Macross8299]

Well, the sentiment aside there's also the issue of the fact that you are subsidizing people that made less financially sound decisions and punishing those who made financially responsible decisions. What about the moral hazard?

i.e. if two people had identical student loan balances with $500 minimum payment per month and one person decided to pay $1000 monthly to pay it off quickly and the other person paid $500 and YOLO'd the other $500 monthly into instagram vacations, takeout food, Bitcoin at 19k, etc, you are effectively subsidizing the second group of choices.