there was one thing which i'll take issue with, which is in figure 5.
nobody that i know who has student loans can afford to pay that much per year, meaning that this figure is extremely optimistic and likely not representative of the median case-- which is fine because it still gets the point of the authors across, but it's missing some context.
anecdotally, 7 years out of college has left me and a few people i know with scarcely 2k shaved from our principles, with the rest lost to paying off the 6.5% interest. people don't have incomes which rise quickly enough to make headway against the loans.
thankfully the article comments about the deferred retirements savings caused by student loan burden.
this is a hugely important issue that requires a jubilee or some other radical measure... but will likely not have one barring major societal disruption which the current trajectory is barreling us towards.