Opinion Today: America’s student loans were never going to be repaid

A guest essay dives deep into the numbers, and finds some troubling inequalities. [View in browser](~/AAAAAQA~/RgRmkmyhP4QoAWh0dHBzOi8vbWVzc2FnaW5nLWN1c3RvbS1uZXdzbGV0dGVycy5ueXRpbWVzLmNvbS90ZW1wbGF0ZS9vYWt2Mj9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnByb2R1Y3RDb2RlPVRZJnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1cmk9bnl0JTNBJTJGJTJGbmV3c2xldHRlciUyRjFjMTc4MTk5LWEyN2EtNTMwMy05MmI4LTU0ZmNjM2YzZDY3NyZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~)|[nytimes.com](~/AAAAAQA~/RgRmkmyhP0SwaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vP2NhbXBhaWduX2lkPTM5JmVtYz1lZGl0X3R5XzIwMjMwNzEzJmluc3RhbmNlX2lkPTk3NDEyJm5sPW9waW5pb24tdG9kYXkmcmVnaV9pZD03NzY3NDk1MiZzZWdtZW50X2lkPTEzOTE5MiZ0ZT0xJnVzZXJfaWQ9YWE0OTFlZjdmMWQ5NjRlNDk3OWZiNzg0ZTc0ZTAxZDdXA255dEIKZKSh569ka_gRTlIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAAAD)[Continue reading the main story](#a11y-skip-ad-marquee) [Marquee Ad](~/AAAAAQA~/RgRmkmyhP0SYaHR0cHM6Ly9saXZlaW50ZW50Lm5ld3lvcmt0aW1lc2luZm8uY29tL2NsaWNrP3M9MTYyMTM5JmxpPVRZJm09YWE0OTFlZjdmMWQ5NjRlNDk3OWZiNzg0ZTc0ZTAxZDcmcD1UWV8yMDIzMDcxMyZ0ZT0xJm5sPW9waW5pb24tdG9kYXkmZW1jPWVkaXRfdHlfMjAyMzA3MTNXA255dEIKZKSh569ka_gRTlIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAAAD) [Read more from Opinion](~/AAAAAQA~/RgRmkmyhP0S_aHR0cHM6Ly93d3cubnl0aW1lcy5jb20vc2VjdGlvbi9vcGluaW9uP2NhbXBhaWduX2lkPTM5JmVtYz1lZGl0X3R5XzIwMjMwNzEzJmluc3RhbmNlX2lkPTk3NDEyJm5sPW9waW5pb24tdG9kYXkmcmVnaV9pZD03NzY3NDk1MiZzZWdtZW50X2lkPTEzOTE5MiZ0ZT0xJnVzZXJfaWQ9YWE0OTFlZjdmMWQ5NjRlNDk3OWZiNzg0ZTc0ZTAxZDdXA255dEIKZKSh569ka_gRTlIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAAAD) July 13, 2023 [Author Headshot] By Taylor Maggiacomo Graphics Editor, Opinion After the rush of receiving my college acceptances, I sat down with my parents and decided on the school that felt most right to me. It was also the most expensive — by a lot. My parents were very supportive of my choice but explained that they were comfortable financially but not that comfortable. If I was going to attend that school, I would have to take out student loans. So I did, joining the millions of other students that took out large, unthinkable loans in the hope that one day, we’d have big shiny careers with big shiny salaries and that college would have “paid off.” Years later, I realized it wasn’t that simple. Even as I made my income-based payment every month, the balance increased bit by bit. My friends and I worried that the debt beast would never shrink, even with raises and promotions. Then, the repayment pause from the pandemic offered a reprieve. For three years, many of us have been able to chip away at the beast. The repayment pause will end this fall, and the Supreme Court has now ruled against President Biden’s student loan forgiveness plan. [In a guest essay](~/AAAAAQA~/RgRmkmyhP0T5aHR0cHM6Ly93d3cubnl0aW1lcy5jb20vaW50ZXJhY3RpdmUvMjAyMy8wNy8xMy9vcGluaW9uL3BvbGl0aWNzL3N0dWRlbnQtbG9hbi1wYXltZW50cy1yZXN1bWUuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~), Laura Beamer and Marshall Steinbaum from the Jain Family Institute point out that, for all the debate over debt relief, America’s student loans were never going to be repaid anyway. With rising tuition, interest, and debt-to-income ratios, student loan repayment was dwindling even before the pause, and that will surely worsen when monthly bills start arriving again. What fascinated me was just how recent of a crisis this is. According to the data the Jain Family Institute has collected for student loan balances over time, it was only in 2013 that about half of all student loans — 50.6 percent to be exact — started to carry higher balances than the original borrowed amount. The number jumped further to over 60 percent in 2019. The pandemic repayment pause offered dramatic relief to the cohort of recent borrowers, lowering their rate of loans exceeding original balances to below 5 percent. [Continue reading the main story](#a11y-skip-universal-0) ADVERTISEMENT [Ad](~/AAAAAQA~/RgRmkmyhP0SXaHR0cHM6Ly9saXZlaW50ZW50Lm5ld3lvcmt0aW1lc2luZm8uY29tL2NsaWNrP3M9NTk3ODUmbGk9VFkmbT1hYTQ5MWVmN2YxZDk2NGU0OTc5ZmI3ODRlNzRlMDFkNyZwPVRZXzIwMjMwNzEzJnRlPTEmbmw9b3Bpbmlvbi10b2RheSZlbWM9ZWRpdF90eV8yMDIzMDcxM1cDbnl0QgpkpKHnr2Rr-BFOUht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAAM~) What also stood out to me was the gendered divide between those who can repay their student loans and those who can’t. Before the repayment pause, men were typically able to decrease their balance to 70 percent of the original amount over 13 years, while women maintained a balance of around 110 percent of the borrowed amount over the same time frame. There’s a similar racial gap: White and Asian borrowers typically make more progress than Black and Latino borrowers. There’s no doubt that there is a student loan crisis here in America. In the guest essay, Laura and Marshall outline how we got into this mess and how we can move forward. [Read the guest essay here](~/AAAAAQA~/RgRmkmyhP0T5aHR0cHM6Ly93d3cubnl0aW1lcy5jb20vaW50ZXJhY3RpdmUvMjAyMy8wNy8xMy9vcGluaW9uL3BvbGl0aWNzL3N0dWRlbnQtbG9hbi1wYXltZW50cy1yZXN1bWUuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~). 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By Laura Beamer and Marshall Steinbaum](~/AAAAAQA~/RgRmkmyhP0T5aHR0cHM6Ly93d3cubnl0aW1lcy5jb20vaW50ZXJhY3RpdmUvMjAyMy8wNy8xMy9vcGluaW9uL3BvbGl0aWNzL3N0dWRlbnQtbG9hbi1wYXltZW50cy1yZXN1bWUuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~) [Continue reading the main story](#a11y-skip-universal-1) ADVERTISEMENT [Ad](~/AAAAAQA~/RgRmkmyhP0SYaHR0cHM6Ly9saXZlaW50ZW50Lm5ld3lvcmt0aW1lc2luZm8uY29tL2NsaWNrP3M9MjAxODEyJmxpPVRZJm09YWE0OTFlZjdmMWQ5NjRlNDk3OWZiNzg0ZTc0ZTAxZDcmcD1UWV8yMDIzMDcxMyZ0ZT0xJm5sPW9waW5pb24tdG9kYXkmZW1jPWVkaXRfdHlfMjAyMzA3MTNXA255dEIKZKSh569ka_gRTlIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAAAD) Here’s what we’re focusing on today: Editors’ Picks [Artists, Plumbers, Bakers and Five Days to Make Them Soldiers Ukrainian citizen-soldiers are in a fight for survival — and they don’t have time to travel for training. 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By Arundhati Roy](~/AAAAAQA~/RgRmkmyhP0TraHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2luZGlhLXVzLWRpcGxvbWFjeS1jaGluYS1iaWRlbi1tb2RpLmh0bWw_Y2FtcGFpZ25faWQ9MzkmZW1jPWVkaXRfdHlfMjAyMzA3MTMmaW5zdGFuY2VfaWQ9OTc0MTImbmw9b3Bpbmlvbi10b2RheSZyZWdpX2lkPTc3Njc0OTUyJnNlZ21lbnRfaWQ9MTM5MTkyJnRlPTEmdXNlcl9pZD1hYTQ5MWVmN2YxZDk2NGU0OTc5ZmI3ODRlNzRlMDFkN1cDbnl0QgpkpKHnr2Rr-BFOUht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAAM~) [Article Image](~/AAAAAQA~/RgRmkmyhP0TraHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2luZGlhLXVzLWRpcGxvbWFjeS1jaGluYS1iaWRlbi1tb2RpLmh0bWw_Y2FtcGFpZ25faWQ9MzkmZW1jPWVkaXRfdHlfMjAyMzA3MTMmaW5zdGFuY2VfaWQ9OTc0MTImbmw9b3Bpbmlvbi10b2RheSZyZWdpX2lkPTc3Njc0OTUyJnNlZ21lbnRfaWQ9MTM5MTkyJnRlPTEmdXNlcl9pZD1hYTQ5MWVmN2YxZDk2NGU0OTc5ZmI3ODRlNzRlMDFkN1cDbnl0QgpkpKHnr2Rr-BFOUht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAAM~) [GUEST ESSAY The Future of Online Speech Shouldn’t Belong to One Trump-Appointed Judge in Louisiana The politics of internet regulation have become too local. 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By Jonathan Mingle](~/AAAAAQA~/RgRmkmyhP0TzaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2Zsb29kcy12ZXJtb250LW5ldy15b3JrLWhlYXQtY2xpbWF0ZS1jaGFuZ2UuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~) [Article Image](~/AAAAAQA~/RgRmkmyhP0TzaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2Zsb29kcy12ZXJtb250LW5ldy15b3JrLWhlYXQtY2xpbWF0ZS1jaGFuZ2UuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~) [GUEST ESSAY The U.S. Still Can Do What’s Right for Haiti It is long past time it stopped propping up unpopular political leaders. By Jake Johnston](~/AAAAAQA~/RgRmkmyhP0TlaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2hhaXRpLWJpZGVuLWFkbWluaXN0cmF0aW9uLXVzLmh0bWw_Y2FtcGFpZ25faWQ9MzkmZW1jPWVkaXRfdHlfMjAyMzA3MTMmaW5zdGFuY2VfaWQ9OTc0MTImbmw9b3Bpbmlvbi10b2RheSZyZWdpX2lkPTc3Njc0OTUyJnNlZ21lbnRfaWQ9MTM5MTkyJnRlPTEmdXNlcl9pZD1hYTQ5MWVmN2YxZDk2NGU0OTc5ZmI3ODRlNzRlMDFkN1cDbnl0QgpkpKHnr2Rr-BFOUht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAAM~) [Article Image](~/AAAAAQA~/RgRmkmyhP0TlaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMy9vcGluaW9uL2hhaXRpLWJpZGVuLWFkbWluaXN0cmF0aW9uLXVzLmh0bWw_Y2FtcGFpZ25faWQ9MzkmZW1jPWVkaXRfdHlfMjAyMzA3MTMmaW5zdGFuY2VfaWQ9OTc0MTImbmw9b3Bpbmlvbi10b2RheSZyZWdpX2lkPTc3Njc0OTUyJnNlZ21lbnRfaWQ9MTM5MTkyJnRlPTEmdXNlcl9pZD1hYTQ5MWVmN2YxZDk2NGU0OTc5ZmI3ODRlNzRlMDFkN1cDbnl0QgpkpKHnr2Rr-BFOUht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAAM~) [Continue reading the main story](#a11y-skip-universal-2) ADVERTISEMENT [Ad](~/AAAAAQA~/RgRmkmyhP0SYaHR0cHM6Ly9saXZlaW50ZW50Lm5ld3lvcmt0aW1lc2luZm8uY29tL2NsaWNrP3M9NzI2NTM3JmxpPVRZJm09YWE0OTFlZjdmMWQ5NjRlNDk3OWZiNzg0ZTc0ZTAxZDcmcD1UWV8yMDIzMDcxMyZ0ZT0xJm5sPW9waW5pb24tdG9kYXkmZW1jPWVkaXRfdHlfMjAyMzA3MTNXA255dEIKZKSh569ka_gRTlIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAAAD) [PETER COY Amazon Prime Day, Walmart Plus Week and the Battle of the Retail Giants America’s two largest private employers have converged in some ways, but each still has a leg up on the other. 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By David Wallace-Wells](~/AAAAAQA~/RgRmkmyhP0ThaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMi9vcGluaW9uL2Zsb29kcy12ZXJtb250LWhlYXQtZmlyZXMuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~) [Article Image](~/AAAAAQA~/RgRmkmyhP0ThaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMy8wNy8xMi9vcGluaW9uL2Zsb29kcy12ZXJtb250LWhlYXQtZmlyZXMuaHRtbD9jYW1wYWlnbl9pZD0zOSZlbWM9ZWRpdF90eV8yMDIzMDcxMyZpbnN0YW5jZV9pZD05NzQxMiZubD1vcGluaW9uLXRvZGF5JnJlZ2lfaWQ9Nzc2NzQ5NTImc2VnbWVudF9pZD0xMzkxOTImdGU9MSZ1c2VyX2lkPWFhNDkxZWY3ZjFkOTY0ZTQ5NzlmYjc4NGU3NGUwMWQ3VwNueXRCCmSkoeevZGv4EU5SG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAAw~~) [LETTERS How the Bidens Treat Hunter’s Daughter Readers discuss a column by Maureen Dowd critical of the president. 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