About 'cfpb student loan'|Want to be a slave Take out a student loan

About 'cfpb student loan'|Want to be a slave Take out a student loan

ＣＯＭＭＥＮＴＡＲＹ               |               Ａｓ               ｉｆ               ｔａｋｉｎｇ               ａ               ｃｕｅ               ｆｒｏｍ               Ｒｉｃｋ               Ｓａｎｔｏｒｕｍ,               ｔｈｅ               Ｃｏｎｇｒｅｓｓｉｏｎａｌ               Ｒｅｐｕｂｌｉｃａｎｓ               ｈａｖｅ               ｄｅｃｉｄｅｄ               ｔｏ               ｍａｋｅ               ｉｔ               ｍｕｃｈ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｆｏｒ               Ａｍｅｒｉｃａｎ               ｆａｍｉｌｉｅｓ               ｔｏ               ｔｕｒｎ               ｔｈｅｉｒ               ｃｈｉｌｄｒｅｎ               ｉｎｔｏ               ｓｎｏｂｓ. Ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｆａｍｉｌｉｅｓ               ｗｉｌｌ               ｐａｙ               ｆｏｒ               ｅｘｐｏｓｉｎｇ               ｓｔｕｄｅｎｔｓ               ｔｏ               "ｓｏｍｅ               ｌｉｂｅｒａｌ               ｃｏｌｌｅｇｅ               ｐｒｏｆｅｓｓｏｒ               ｔｒｙｉｎｇ               ｔｏ               ｉｎｄｏｃｔｒｉｎａｔｅ               ｔｈｅｍ"               ｗｉｌｌ               ｄｏｕｂｌｅ               ｉｆ               Ｈｏｕｓｅ               Ｒｅｐｕｂｌｉｃａｎｓ               ｈａｖｅ               ｔｈｅｉｒ               ｗａｙ. Ｗｉｔｈ               ｔｈｅ               2007               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               Ｃｏｌｌｅｇｅ               Ｃｏｓｔ               Ｒｅｄｕｃｔｉｏｎ               ａｎｄ               Ａｃｃｅｓｓ               Ａｃｔ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｆｏｒ               ｓｕｂｓｉｄｉｚｅｄ               Ｓｔａｆｆｏｒｄ               Ｌｏａｎｓ,               ｔｈｅ               ｐｒｉｍａｒｙ               ｆｅｄｅｒａｌ               ｌｏａｎ               ｐｒｏｇｒａｍ               ｆｏｒ               ｍｉｄｄｌｅ               ｃｌａｓｓ               ｆａｍｉｌｉｅｓ,               Ｃｏｎｇｒｅｓｓ               ｇｒａｄｕａｌｌｙ               ｓｔｅｐｐｅｄ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｄｏｗｎ               ｔｏ               3.4               ｐｅｒｃｅｎｔ               ｆｏｒ               ｔｈｅ               2011-12               ａｃａｄｅｍｉｃ               ｙｅａｒ. Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ｕ.Ｓ. Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｅｄｕｃａｔｉｏｎ,               ａｐｐｒｏｘｉｍａｔｅｌｙ               10,000,000               ｓｔｕｄｅｎｔｓ               ｐａｒｔｉｃｉｐａｔｅｄ               ｉｎ               ｔｈｅ               ｐｒｏｇｒａｍ               ｔｈｉｓ               ｙｅａｒ,               ｂｏｒｒｏｗｉｎｇ               ｕｐ               ｔｏ               $5,500               ａｔ               ｔｈｅ               ｓｕｂｓｉｄｉｚｅｄ               ｒａｔｅ. Ｕｎｌｅｓｓ               Ｃｏｎｇｒｅｓｓ               ｅｘｔｅｎｄｓ               ｔｈｅ               ｓｕｂｓｉｄｙ               ｐｒｏｇｒａｍ               ｔｈｅｓｅ               ｌｏａｎｓ               ｗｉｌｌ               ｊｕｍｐ               ｔｏ               ａｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｏｆ               6.8               ｐｅｒｃｅｎｔ               ｆｏｒ               ｔｈｅ               2012-13               ｓｃｈｏｏｌ               ｙｅａｒ.                Ｉｆ               Ｃｏｎｇｒｅｓｓ               ｄｏｅｓ               ｎｏｔｈｉｎｇ,               ｔｈｅ               ｔｙｐｉｃａｌ               Ｓｔａｆｆｏｒｄ               ｂｏｒｒｏｗｅｒ               ｗｏｕｌｄ               ｓｅｅ               ａ               $2,800               ｉｎｃｒｅａｓｅ               ｉｎ               ｉｎｔｅｒｅｓｔ               ｏｖｅｒ               ａ               10-ｙｅａｒ               ｌｏａｎ. Ｓｔｕｄｅｎｔｓ               ｗｈｏ               ｂｏｒｒｏｗ               ｔｈｅ               ｍａｘｉｍｕｍ               $23,000               ｔｈｒｏｕｇｈ               ｔｈｅ               ｐｒｏｇｒａｍ               ｗｉｌｌ               ｓｅｅ               ｔｈｅｉｒ               ｉｎｔｅｒｅｓｔ               ｃｏｓｔ               ｒｉｓｅ               ｂｙ               $5,000               ｏｖｅｒ               10               ｙｅａｒｓ               ａｎｄ               $11,000               ｏｖｅｒ               20               ｙｅａｒｓ.                Ｔｈｅ               Ｃｏｎｓｕｍｅｒ               Ｆｉｎａｎｃｉａｌ               Ｐｒｏｔｅｃｔｉｏｎ               Ｂｕｒｅａｕ               ｈａｓ               ｒｅｃｅｎｔｌｙ               ｎｏｔｅｄ               ｔｈａｔ               ｔｏｔａｌ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ｈａｓ               ｓｕｒｐａｓｓｅｄ               ｔｏｔａｌ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ               ａｎｄ               ｃｕｒｒｅｎｔｌｙ               ｔｏｐｓ               ｔｈｅ               ｔｒｉｌｌｉｏｎ               ｄｏｌｌａｒ               ｍａｒｋ. Ｐｒｏｐｏｓｅｄ               ｃｕｔｓ               ｉｎ               Ｐｅｌｌ               ｇｒａｎｔｓ,               ａｄｏｐｔｅｄ               ｉｎ               ｔｈｅ               ｒｅｃｅｎｔｌｙ               ｐａｓｓｅｄ               Ｒｙａｎ               ｂｕｄｇｅｔ               ｐｌａｎ,               ｗｉｌｌ               ｓｅｒｖｅ               ｔｏ               ｍａｋｅ               ｓｔｕｄｅｎｔｓ               ｅｖｅｎ               ｍｏｒｅ               ｄｅｐｅｎｄｅｎｔ               ｏｎ               ｌｏａｎｓ               ｆｏｒ               ｔｈｅ               ｆｉｎａｎｃｉｎｇ               ｏｆ               ｅｄｕｃａｔｉｏｎ. Ｔｈｅ               ｐｒｉｍａｒｙ               ｃｏｎｃｅｒｎ               ｏｎ               ｔｈｅ               ｐａｒｔ               ｏｆ               ｔｈｅ               Ｈｏｕｓｅ               ＧＯＰ               ｉｓ               ｒｅａｌｌｙ               ｈｏｗ               ｆａｓｔ               ｔｈｅ               ｌｏａｎｓ               ｗｉｌｌ               ｂｅ               ｒｅｐａｉｄ               ａｎｄ               ｈｏｗ               ｓｏｏｎ               ｔｈａｔ               ｍｏｎｅｙ               ｃｏｕｌｄ               ｂｅ               ｕｓｅｄ               ｔｏｗａｒｄ               ｄｅｆｉｃｉｔ               ｒｅｄｕｃｔｉｏｎ               ｐｌａｎｓ. Ｓｏｍｅ               ｈａｖｅ               ｓｐｅｃｕｌａｔｅｄ               ｔｈａｔ               ｐｕｓｈｉｎｇ               ｔｈｅ               ｄｅｆａｕｌｔ               ｒａｔｅ               ｕｐ               ｗｏｕｌｄ               ａｃｔｕａｌｌｙ               ａｌｌｏｗ               ｆｏｒ               ｑｕｉｃｋｅｒ               ｄｅｆｉｃｉｔ               ｒｅｄｕｃｔｉｏｎ               ｓｉｎｃｅ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｗｏｕｌｄ               ｂｅ               ｒｅｐａｉｄ               ｑｕｉｃｋｅｒ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓｅｉｚｕｒｅ               ｏｆ               ａｓｓｅｔｓ               ｒａｔｈｅｒ               ｔｈａｎ               ｔｈｒｏｕｇｈ               ａ               ｔｙｐｉｃａｌ               10               ｙｅａｒ               ｐａｙｍｅｎｔ               ｐｌａｎ. Ｄｕｅ               ｔｏ               Ｒｅｐｕｂｌｉｃａｎ               ｂａｎｋｒｕｐｔｃｙ               ｒｅｆｏｒｍ               ｐａｓｓｅｄ               ｉｎ               2005,               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ａｒｅ               ｎｏ               ｌｏｎｇｅｒ               ｅｌｉｇｉｂｌｅ               ｔｏ               ｂｅ               ｉｎｃｌｕｄｅｄ               ｉｎ               ｂａｎｋｒｕｐｔｃｙ. Ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｃａｎ               ｎｏｗ               ｇａｒｎｉｓｈ               ｗａｇｅｓ               ａｎｄ               ｐｌａｃｅ               ｌｉｅｎｓ               ｏｎ               ｐｒｏｐｅｒｔｙ               ｔｏ               ｃｏｌｌｅｃｔ               ｔｈｅｓｅ               ｌｏａｎｓ.                Ｉｎ               ａｄｄｉｔｉｏｎ,               Ｒｅｐｕｂｌｉｃａｎｓ               ａｒｅ               ａｒｇｕｉｎｇ               ｔｈａｔ               ｂｅｃａｕｓｅ               ｏｆ               Ｐｅｌｌ               Ｇｒａｎｔｓ               ａｎｄ               ｔｈｅ               Ｓｔａｆｆｏｒｄ               ｐｒｏｇｒａｍ               ｕｎｉｖｅｒｓｉｔｉｅｓ               ｈａｖｅ               ｎｏ               ｉｎｃｅｎｔｉｖｅ               ｔｏ               ｃｏｎｔｒｏｌ               ｃｏｓｔｓ. Ｉｔ               ｗｏｕｌｄ               ｓｅｅｍ               ｔｈａｔ               ｔｈｅ               ｉｎｔｅｎｔｉｏｎ               ｏｆ               ｔｈｅ               ｃｏｎｇｒｅｓｓｉｏｎａｌ               ＧＯＰ               ｉｓ               ｔｏ               ｒｅｄｕｃｅ               ｔｈｅ               ｄｅｍａｎｄ               ｆｏｒ               ｈｉｇｈｅｒ               ｅｄｕｃａｔｉｏｎ               ｂｙ               ｍａｋｉｎｇ               ｉｔ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｆｏｒ               ｔｈｅ               ｍｉｄｄｌｅ               ｃｌａｓｓ               ａｎｄ               ｂｙ               ｄｉｓｃｏｕｒａｇｉｎｇ               ｔｈｏｓｅ               ｆｒｏｍ               ｌｏｗ               ｉｎｃｏｍｅ               ｆａｍｉｌｉｅｓ               ｆｒｏｍ               ｅｖｅｎ               ａｐｐｌｙｉｎｇ. Ｗｈａｔ               ｅｆｆｅｃｔ               ｌｏｗｅｒｉｎｇ               ｄｅｍａｎｄ               ｆｏｒ               ｈｉｇｈｅｒ               ｅｄｕｃａｔｉｏｎ               ｉｎ               ｔｈｉｓ               ｗａｙ               ｗｏｕｌｄ               ｈａｖｅ               ｏｎ               ｔｕｉｔｉｏｎ               ｈａｓ               ｎｏｔ               ｂｅｅｎ               ｑｕａｎｔｉｆｉｅｄ.                Ｒｅｐ. Ｖｉｒｇｉｎｉａ               Ｆｏｘｘ               (Ｒ-Ｎ.Ｃ.),               ｃｈａｉｒ               ｏｆ               ｔｈｅ               Ｈｉｇｈｅｒ               Ｅｄｕｃａｔｉｏｎ               Ｓｕｂｃｏｍｍｉｔｔｅｅ,               ｈａｓ               ｉｄｅｎｔｉｆｉｅｄ               ｏｖｅｒ               ｒｅｇｕｌａｔｉｏｎ               ａｓ               ａ               ｃｕｌｐｒｉｔ               ｉｎ               ｔｈｅ               30-ｙｅａｒ               ｔｒｅｎｄ               ｏｆ               ｔｕｉｔｉｏｎｓ               ｒｉｓｉｎｇ               ａｔ               ａｔ               ｌｅａｓｔ               ｔｗｉｃｅ               ｔｈｅ               ｒａｔｅ               ｏｆ               ｉｎｆｌａｔｉｏｎ. Ｓｈｅ               ｈａｓ               ｒｅｃｅｎｔｌｙ               ｉｎｔｒｏｄｕｃｅｄ               Ｈ.Ｒ. 2117,               ｔｈｅ               Ｐｒｏｔｅｃｔｉｎｇ               Ａｃａｄｅｍｉｃ               Ｆｒｅｅｄｏｍ               ｉｎ               Ｈｉｇｈｅｒ               Ｅｄｕｃａｔｉｏｎ               Ａｃｔ,               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｒｅｄｕｃｅ               ｆｅｄｅｒａｌ               ｒｅｇｕｌａｔｉｏｎ               ｏｎ               ｕｎｉｖｅｒｓｉｔｉｅｓ. Ｔｈｅ               ｂｉｌｌ               ｗｏｕｌｄ               ｒｅｐｅａｌ               ｔｈｅ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｅｄｕｃａｔｉｏｎｓ               ｄｅｆｉｎｉｔｉｏｎ               ｏｆ               ａ               ｃｒｅｄｉｔ               ｈｏｕｒ               ａｎｄ               ｇｒａｎｔ               ｓｔａｔｅｓ               ｍｏｒｅ               ｆｌｅｘｉｂｉｌｉｔｙ               ｉｎ               ｄｅｆｉｎｉｎｇ               ｗｈａｔ               ｃｏｎｓｔｉｔｕｔｅｓ               ａ               ｃｏｌｌｅｇｅ               ｏｒ               ｕｎｉｖｅｒｓｉｔｙ. Ｓｉｎｃｅ               ｔｈｅ               ＤＯＥ               ｒｅｇｕｌａｔｉｏｎｓ               ｗｅｒｅ               ｉｎｔｒｏｄｕｃｅｄ               ｉｎ               2010               ｉｔ               ｉｓ               ｎｏｔ               ｃｌｅａｒ               ｈｏｗ               ｍｕｃｈ               ｔｈｅｓｅ               ｒｅｇｕｌａｔｉｏｎｓ               ａｒｅ               ａｄｄｉｎｇ               ｔｏ               ｔｕｉｔｉｏｎ               ｂｉｌｌｓ. Ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｉｍｐａｃｔ               ｏｆ               ｒｅｍｏｖｉｎｇ               ｔｈｅｓｅ               ｒｅｇｕｌａｔｉｏｎｓ               ｉｓ               ｕｎｌｉｋｅｌｙ               ｔｏ               ｒｅｄｕｃｅ               ｔｈｅ               ｒｉｓｅ               ｉｎ               ｔｕｉｔｉｏｎ               ａｎｙｗｈｅｒｅ               ｎｅａｒ               ａｓ               ｍｕｃｈ               ａｓ               ｄｅｐｒｅｓｓｉｎｇ               ｄｅｍａｎｄ               ｗｏｕｌｄ.                Ｉｔ               ｉｓ               ｃｌｅａｒ               ｔｈａｔ               ｔｈｅ               ＧＯＰ               ｐｌａｎ               ｆｏｒ               ｓｉｍｕｌｔａｎｅｏｕｓｌｙ               ｒｅｄｕｃｉｎｇ               ｔｈｅ               ｄｅｆｉｃｉｔ               ａｎｄ               ｌｏｗｅｒｉｎｇ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｃｏｌｌｅｇｅ               ｔｕｉｔｉｏｎ               ｉｓ               ｔｏ               ｍａｋｅ               ｉｔ               ｍｕｃｈ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｆｏｒ               ｔｈｅ               ｍｉｄｄｌｅ               ｃｌａｓｓ               ａｎｄ               ａｌｍｏｓｔ               ｉｍｐｏｓｓｉｂｌｅ               ｆｏｒ               ｔｈｅ               ｐｏｏｒｅｓｔ               ｃｉｔｉｚｅｎｓ               ｔｏ               ｇｅｔ               ａ               ｃｏｌｌｅｇｅ               ｅｄｕｃａｔｉｏｎ. Ｔｈｅ               ａｄｄｉｔｉｏｎａｌ               ｂｅｎｅｆｉｔ               ｗｏｕｌｄ               ｂｅ               ｔｈａｔ,               ａｓ               Ｒｅｐｕｂｌｉｃａｎｓ               ｓｅｅ               ｉｔ,               ｉｎ               ｔｈｅ               ｗｏｒｄｓ               ｏｆ               Ｒｉｃｋ               Ｓａｎｔｏｒｕｍ,               ｉｔ               ｗｏｕｌｄ               ｄｅｎｙ               Ｐｒｅｓｉｄｅｎｔ               Ｏｂａｍａ               ｔｈｅ               ｃｈａｎｃｅ               ｔｏ               "ｒｅｍａｋｅ               ｙｏｕ               ｉｎ               ｈｉｓ               ｉｍａｇｅ."

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