"Student loan borrowers have been unfairly targeted so that the bankers can profit at our expense. There is absolutely no logically fair reason why Student loan repayment is held to such a high standard. They should be dischargeable in bankruptcy, lenders should have to restructure defaulted loans for those who need it and they damn sure should not be allowed to garnish wages without a judgement! Not allowing any kind of restructuring of loans is utterly stupid and counterproductive. It doesn't get the loan paid back. It doesn't help either party. It's merely punitive towards the borrower who took out the loans in hopes that they would find a decent job once they gained an education. In MANY cases this does not happen. When they stop sending jobs overseas and stop expecting folks to actually live and pay bills on $10 an hour, MAYBE we can buy the BS they're selling. (...and I say "they should stop sending jobs overseas, because the corporate crooks are in bed with the legislators who do nothing to help the folks who put them in office!)"