Be careful about student loan forgiveness.

Gene Czarnecki makes good points about resisting student loan forgiveness.  (See link below to letter in The Register.)  It seems a little known fact that more people default on loans with balances less than $5,000 than larger balances.  This is likely due to the fact that smaller balances are due from students who did not complete their degrees while larger balances are due from students who completed post-graduate degrees like medicine and law and who have the ability to pay off their loans.  So, if our government does anything to forgive student loans, we should consider forgiving only the first $5,000 rather than larger amounts.

Link to letter:  https://www.desmoinesregister.com/story/opinion/readers/2020/11/23/letters-news-media-must-suppress-false-covid-19-beliefs/6346641002/

How to lower the cost of college.

The cost of a four year degree, even at our public universities, has gone up much even faster than medical care.  For many college graduates, their post-graduate pay does not justify the amount of student debt that they accumulated.
Similar to community colleges, our public four-year universities should offer certificate programs that focus on specific skills, take less time, and cost less.  The certificate should indicate that the student has specific specific skills that employers demand, without the extra classes, time and cost of a broad, liberal four year degree.  If desired, students could live on campus and gain some of the non-classroom experience and relationships  that colleges offer.  This could go a long way towards lowering the cost of college while providing a college education.