Agree...but any program to subsidize education should be done in a well-understood, predictable manner. It is deeply unjust and arbitrary for the government to retroactively hand out money to some people based on decisions they made long ago with different assumptions. Those people who chose a cheaper college for financial reasons; or who sacrificed their social life to work their way through college; or who paid off their loans early...would now be suckers for having made decisions that seemed financially responsible at the time.