[BoiledCabbage]

> also not clear they had anything to gain.

Getting people to pay back loans they aren't required to pay back "isn't something to gain?". I'm trying to find a charitable reading of this but am struggling. In what way do you think they have nothing to gain?

[pbreit]

Makes Lambda look FAR less attractive up front.

You’re only paying back a small percentage of income and that’s IF you are even employed, so it’s not clear how you would be thinking of going into bankruptcy to discharge this loan.