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That’s a good point. Perhaps the interest rate could remain the same for people making over $60k and reduced for those making less, with none of the “capping at x% AGI” for those above $60k either. This would make it more dynamic for, I.e, a person who takes time off because of illness, caring for a family member, or having a child.

More complicated and potentially more room for fraud.

Overall, I think we ought to do something for people struggling. But I agree that nothing should be done for the wealthy.