[NoLibZone]

Rather than lower debt based on income let's lower professor and administration wages based on students income.

[5Madman2]

Ineptocracy (in-ep-toc’-ra-cy) - a system of government where the least capable to lead are elected by the least capable of producing, and where the members of society least likely to sustain themselves or succeed, are rewarded with goods and services paid for by the confiscated wealth of a diminishing number of producers.