I offer to lend you money. There is no debt.

You borrow money. Now there's debt. Clear enough for you?

You are wrong: taxpayers absolutely bear the burden of government loans, especially when they aren't paid back. But even if it were otherwise, then all the more reason principal payments shouldn't be tax deductible: you borrowed from a non-public lender and want to reduce the amount you pay into the public system because of your choice to borrow? Really?

The tangent is the whole "the loans are misleading and the poor borrowers are victims" thing. True or not, that argument has nothing to do with whether or not taxpayers back student loans.

When have I suggested we base public policy off me personally? And I agree that the student loan situation is ridiculous, but that's off on your tangent again. How irrational do you have to be to suggest borrowers should bear no responsibility for their decision to borrow - unless you think you and everyone else who was "taken advantage of" by these loans is so dumb they need to be retroactively protected from their own choices.

Congrats on "listening to some speeches." Good luck on your retake/reapply strategy. Maybe you'll find a half-decent school to accept you this time around, and glad to know you won't be borrowing anything more from the corrupt, exploitative, victim-blaming system available to you.