Student Loan Forgiveness: Biden administration making it easier for those cheated by schools to erase their debts (2023)

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  • Student Loan Forgiveness: Biden administration making it easier for those cheated by schools to erase their debts (3)


    (Video) VERIFY: Yes, the recent student debt forgiveness change is just a tiny fraction of total student deb

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self.config.uiLang\n });\n self.renderPermissionGuide(self);\n self.renderSpeechPanel(self);\n self.speechResult = '';\n self.noSpeech = true;\n self.isRecognitionStart = false;\n self.recognition = null;\n self.voiceButton = doc.querySelector(self.config.voiceButton);\n self.searchBoxForm = doc.querySelector(self.config.searchBox.form);\n self.searchBoxQuery = doc.querySelector(self.config.searchBox.input);\n self.speechPanel = doc.querySelector('#spch');\n self.speechButtonContainer = doc.querySelector('#spchbc');\n self.speechButton = doc.querySelector('#spchbc-btn');\n self.speechText = doc.querySelector('#spcht');\n self.speechOverlay = doc.getElementById('spch-overlay');\n self.retryLink = doc.querySelector('#spcht-retry');\n self.trending = doc.getElementById('spch-trending');\n self.trendingTerms = doc.getElementById('trending-terms');\n self.termSpans = doc.getElementsByClassName(\"trending-term\");\n self.closeButton = doc.querySelector('#spchx');\n self.startAudio = new Audio('');\n self.resultAudio = new Audio('');\n self.errorAudio = new Audio('');\n self.closeAudio = new Audio('');\n self.permissionGuide = doc.querySelector('#spchp');\n self.permissionGuideClose = doc.querySelector('#spchpx');\n self.permissionGuideTimer = null;\n\n self.onEscKeyDown = function (e) {\n if (e.code !== 'Escape') {\n return;\n }\n\n self.recognition.stop();\n self.sendBeacon('keybrd', 'voicesearch_cancel_esc'); // The clean up should put inside closePanel() instead of here,\n // or func won't be cleaned up if user close panel with btn or overlay\n\n self.closePanel(self);\n };\n\n if (self.isBrowserSupported()) {\n var SpeechRecognition = win.SpeechRecognition || win.webkitSpeechRecognition;\n var SpeechGrammarList = win.SpeechGrammarList || win.webkitSpeechGrammarList;\n var speechGrammar = '#JSGF V1.0;';\n self.recognition = new SpeechRecognition();\n var speechRecognitionList = new SpeechGrammarList();\n\n if (speechRecognitionList.addFromString) {\n 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self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_panel_mic_close');\n self.closePanel(self);\n }\n };\n }\n\n if (self.retryLink) {\n self.retryLink.onclick = function () {\n if (!self.isRecognitionStart) {\n self.recognition.start();\n self.sendBeacon('clk', 'voicesearch_panel_retry');\n }\n };\n }\n\n if (self.speechOverlay) {\n self.speechOverlay.onclick = function () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_cancel_outside');\n self.closePanel(self);\n };\n }\n\n if (self.closeButton) {\n self.closeButton.onclick = function\n /*event*/\n () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_cancel');\n self.closePanel(self);\n };\n }\n\n if (self.permissionGuideClose) {\n self.permissionGuideClose.onclick = function\n /*event*/\n () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_permission_close');\n;\n self.hidePermissionGuide(self);\n };\n }\n /* Recognition Events */\n\n\n self.recognition.onresult = function (event) {\n // The SpeechRecognitionEvent results property returns a SpeechRecognitionResultList object\n // The SpeechRecognitionResultList object contains SpeechRecognitionResult objects.\n // It has a getter so it can be accessed like an array\n // The first [0] returns the SpeechRecognitionResult at the last position.\n // Each SpeechRecognitionResult object contains SpeechRecognitionAlternative objects that contain individual results.\n // These also have getters so they can be accessed like arrays.\n // The second [0] returns the SpeechRecognitionAlternative at position 0.\n // We then return the transcript property of the SpeechRecognitionAlternative object\n // console.log('Confidence: ' + event.results[0][0].confidence);\n self.speechResult = event.results[0][0].transcript;\n /* Punctuation Handling: Check last character and strip it if necessary */\n\n self.handlePunctuation(self);\n\n if (self.speechText) {\n self.speechText.innerText = self.speechResult;\n }\n\n if (self.searchBoxQuery) {\n self.searchBoxQuery.value = self.speechResult;\n }\n\n;\n win.setTimeout(function () {\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb\");\n self.speechPanel.classList.add(\"s2tb-h\");\n }\n\n self.hideRetryLink(self);\n\n if (self.searchBoxForm) {\n var inputFr = self.searchBoxForm.querySelector('[name=fr]');\n var inputFr2 = self.searchBoxForm.querySelector('[name=fr2]');\n\n if (inputFr && self.config.searchBox && self.config.searchBox.params && {\n inputFr.value =;\n inputFr.disabled = false; // for homepage case\n }\n\n if (inputFr2 && self.config.searchBox && self.config.searchBox.params && self.config.searchBox.params.fr2) {\n inputFr2.value = config.searchBox.params.fr2;\n inputFr2.disabled = false; // for homepage case\n }\n\n self.searchBoxForm.submit();\n }\n }, 1000);\n };\n\n self.recognition.onspeechstart = function\n /*event*/\n () {// Fired when speech starts\n };\n\n self.recognition.onspeechend = function () {\n // Fired when speech ends\n self.recognition.stop();\n };\n\n self.recognition.onerror = function\n /*event*/\n () {\n // console.log('Error occurred in recognition: ' + event.error);\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_error');\n }\n\n self.hideTrending(self);\n self.showRetryLink(self);\n;\n };\n\n self.recognition.onaudiostart = function\n /*event*/\n () {\n // Fired when the user agent has started to capture audio.\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.add(\"listening\");\n }\n };\n\n self.recognition.onaudioend = function\n /*event*/\n () {\n // Fired when the user agent has finished capturing audio.\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"listening\");\n }\n };\n\n self.recognition.onsoundstart = function\n /*event*/\n () {\n // Fired when any sound — recognisable speech or not — has been detected.\n self.hideTrending(self);\n self.noSpeech = false;\n\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"listening\");\n self.speechButtonContainer.classList.add(\"speaking\");\n }\n };\n\n self.recognition.onsoundend = function\n /*event*/\n () {\n // Fired when no sound present\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"speaking\");\n }\n };\n\n self.recognition.onstart = function\n /*event*/\n () {\n // Fired when the speech recognition service has begun listening\n self.recognitionInit(self);\n self.startRecognition(self);\n };\n\n self.recognition.onend = function\n /*event*/\n () {\n // Fired when the speech recognition service has disconnected.\n self.isRecognitionStart = false;\n\n if (self.noSpeech == false && self.speechResult == '') {\n // No match: Fired when the speech recognition can't recognise speech\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_nomatch');\n }\n\n self.hideTrending(self);\n self.showRetryLink(self);\n;\n }\n }; // trigger onReady event when initialized\n\n\n if (document && document.dispatchEvent) {\n document.dispatchEvent(new Event('VOICE_JS_READY'));\n }\n }\n } // static members\n\n\n VoiceSearch.I18n = I18n; // instance members\n\n VoiceSearch.prototype.renderPermissionGuide = function (self) {\n var tmpl = \"\\n








    \".concat(self.i18n.t('search.voice.title_permission'), \"


    \").concat(self.i18n.t('search.voice.text_permission'), \"




    \\n \");\n var dom = new DOMParser().parseFromString(tmpl, 'text/html');\n document.body.appendChild(dom.body.children[0]);\n }; \n\n VoiceSearch.prototype.renderSpeechPanel = Funktion (automatisch) {\n var tmpl = \"\\n


    (Video) A look at the impact of President Biden's student loan debt forgiveness





    \\norte\\n \\n\\norte\\norte\\norte\\norte



    \\norte\\norte\\norte\".concat(self.i18n.t('search.voice.recognition_retry'), \"\\norte






    \\norte\").concat(self.i18n.t('search.voice.trending_title'), \"\\norte\\norte



    (Video) Delivering on Debt Relief: Scoring the Biden Administration's Progress & Building a Roadmap for 2022

    \\n \");\n var dom = new DOMParser().parseFromString(tmpl, 'text/html');\n\n if (self && self.config && self.config.ui && self.config.ui.speechOverlay && self.config.ui.speechOverlay.disableBlur) {\n dom.body.children[0].classList.add('disable-blur-overlay');\n }\n\n document.body.appendChild(dom.body.children[0]);\n };\n\n VoiceSearch.prototype.isBrowserSupported = function () {\n var isSupported = false;\n var self = this;\n var isChromium = Boolean(;\n var isIOSChrome = /CriOS/.test(window.navigator.userAgent);\n var isEdge = /Edg\\//.test(window.navigator.userAgent);\n var isLegacyEdge = /Edge\\//.test(window.navigator.userAgent);\n var isOpera = Boolean(window.opr);\n var isBrave = Boolean(window.navigator.brave);\n var browsers = [// chrome\n {\n checkEnabled: function checkEnabled() {\n return true;\n },\n checkBrowser: function checkBrowser() {\n return isChromium && !isIOSChrome && !isEdge && !isOpera && !isBrave;\n },\n checkAPI: function checkAPI() {\n return win && ('SpeechRecognition' in win || 'webkitSpeechRecognition' in win) && ('SpeechGrammarList' in win || 'webkitSpeechGrammarList' in win);\n }\n }, // edge\n {\n checkEnabled: function checkEnabled() {\n return self && self.config && self.config.browsers && self.config.browsers.edge;\n },\n checkBrowser: function checkBrowser() {\n return isChromium && isEdge && !isLegacyEdge;\n },\n checkAPI: function checkAPI() {\n return win && ('SpeechRecognition' in win || 'webkitSpeechRecognition' in win) && ('SpeechGrammarList' in win || 'webkitSpeechGrammarList' in win);\n }\n }];\n\n for (var b = 0; b < browsers.length; b++) {\n var browser = browsers[b];\n\n if (browser && browser.checkBrowser && browser.checkBrowser() && browser.checkEnabled && browser.checkEnabled(self) && browser.checkAPI && browser.checkAPI()) {\n isSupported = true;\n }\n }\n\n return isSupported;\n };\n\n VoiceSearch.prototype.recognitionInit = function (self) {\n // Initialize flags for checking whether user is speaking or not\n self.speechResult = '';\n self.noSpeech = true;\n self.isRecognitionStart = true;\n };\n\n VoiceSearch.prototype.showPermissionGuide = function (self) {\n if (self.permissionGuide) {\n self.permissionGuide.classList.remove(\"hide\");\n }\n };\n\n VoiceSearch.prototype.hidePermissionGuide = function (self) {\n if (self.permissionGuide) {\n self.permissionGuide.classList.add(\"hide\");\n }\n };\n\n VoiceSearch.prototype.getTrending = function (self) {\n // Call api for trending terms\n if (!self.config.enable_voice_trending || !self.trending) {\n return;\n }\n\n var url = \"\" + + \"&features=trending.voice\";\n self.ajaxReq(url, function (resBody) {\n if (!resBody || !resBody.response || ! || ! || ![\"trending.voice\"]) {\n return;\n }\n\n var terms =[\"trending.voice\"].data;\n self.showTrending(self, terms);\n });\n };\n\n VoiceSearch.prototype.showTrending = function (self, terms) {\n // params check\n if (!Array.isArray(terms) || terms.length < 3) {\n return;\n } // DOM check\n\n\n if (!self.trending || !self.termSpans || !self.termSpans[0]) {\n return;\n }\n\n var trendingLabel = '';\n trendingLabel += '\"' + terms[0].text + '\"' + ', ';\n trendingLabel += '\"' + terms[1].text + '\"' + ' ';\n trendingLabel += self.i18n.t('search.voice.trending_or') + ' ';\n trendingLabel += '\"' + terms[2].text + '\"';\n self.termSpans[0].innerText = trendingLabel;\n self.trending.classList.remove(\"hide\");\n };\n\n VoiceSearch.prototype.hideTrending = function (self) {\n if (!self.trending) {\n return;\n }\n\n self.trending.classList.add(\"hide\");\n };\n\n VoiceSearch.prototype.showRetryLink = function (self) {\n if (self.retryLink) {\n self.retryLink.innerText = self.i18n.t('search.voice.recognition_retry');\n self.retryLink.classList.remove(\"hide\");\n }\n };\n\n VoiceSearch.prototype.hideRetryLink = function (self) {\n if (self.retryLink) {\n self.retryLink.classList.add(\"hide\");\n }\n };\n\n VoiceSearch.prototype.startRecognition = function (self) {\n self.hidePermissionGuide(self);\n self.getTrending(self);\n;\n\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_start');\n win.setTimeout(function () {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_listening');\n }, 2000);\n }\n\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb-h\");\n self.speechPanel.classList.add(\"s2tb\");\n }\n\n self.hideRetryLink(self);\n };\n\n VoiceSearch.prototype.closePanel = function (self) {\n;\n win.setTimeout(function () {\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb\");\n self.speechPanel.classList.add(\"s2tb-h\");\n }\n\n self.hideTrending(self);\n self.hideRetryLink(self); // clean up esc listener\n\n doc.removeEventListener('keydown', self.onEscKeyDown);\n }, 100);\n };\n\n VoiceSearch.prototype.handlePunctuation = function (self) {\n if (self.speechResult.length > 0) {\n var lastChar = self.speechResult.charAt(self.speechResult.length - 1);\n\n if (lastChar === '.' || lastChar === '?' || lastChar === '。' || lastChar === '?') {\n self.speechResult = self.speechResult.slice(0, -1);\n }\n }\n };\n\n VoiceSearch.prototype.sendBeacon = function (actn, slk) {\n var ULT = win.YAHOO.ULT || {},\n SB = win.YAHOO.SB || {};\n\n if (ULT.beacon_click) {\n var trackParams = {\n _S: SB.config.i13n.spaceid,\n _I: SB.config.i13n.pvid,\n actn: actn,\n sec: 'search',\n slk: slk\n };\n win.YAHOO.ULT.beacon_click(trackParams);\n }\n };\n\n VoiceSearch.prototype.ajaxReq = function (url, callback) {\n var DONE_STATE = XMLHttpRequest.DONE || 4; // for IE-compatibility\n\n var xhr = new XMLHttpRequest();\n var responseRaw;\n var response; // CORS request only for IE8/IE9\n\n if (doc.documentMode && doc.documentMode < 10) {\n var xdr = new win.XDomainRequest();\n\n xdr.onload = function () {\n try {\n response = JSON.parse(responseRaw);\n callback(response);\n } catch (err) {\n return;\n }\n };\n\n'GET', url);\n xhr.send();\n return;\n } // CORS request for browers newer than IE9\n\n\n xhr.onreadystatechange = function () {\n if (xhr.readyState !== DONE_STATE) {\n return;\n } // handle ajax response\n\n\n switch (xhr.status) {\n case 200:\n responseRaw = xhr.responseText;\n\n try {\n response = JSON.parse(responseRaw);\n callback(response);\n } catch (err) {\n return;\n }\n\n break;\n\n default:\n // non-200 status code: retry or assume failure\n callback(response);\n break;\n }\n };\n\n'GET', url, true);\n /* aync request */\n\n xhr.timeout = 10000;\n xhr.send();\n };\n\n if (!win.YAHOO) {\n win.YAHOO = {};\n }\n\n if (!win.YAHOO.Util) {\n win.YAHOO.Util = {};\n }\n\n win.YAHOO.Util.VoiceSearch = VoiceSearch;\n})(window, document);\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/index.js?")},"./src/lib/I18n.js":/*!*************************!*\ !*** ./src/lib/I18n.js ***! \*************************/function(module,__unused_webpack_exports,__webpack_require__){eval("module.exports = function () {\n var LANG_LIST = __webpack_require__(/*! ./lang_list.json */ \"./src/lib/lang_list.json\");\n\n var DEFAULT_LANG = 'default';\n\n var isValidLang = function isValidLang(lang) {\n return LANG_LIST.indexOf(lang) !== -1;\n }; // convert language strings to key-value map\n\n\n var buildStrMap = function buildStrMap(langStrings) {\n return langStrings.reduce(function (strMap, item) {\n strMap[] = item.defaultMessage;\n return strMap;\n }, {});\n };\n\n var I18n = function I18n(options) {\n // initialize\n this.lang = isValidLang(options && options.lang) ? options.lang : DEFAULT_LANG;\n }; // static members\n\n\n I18n.langMap = {};\n I18n.langMap[DEFAULT_LANG] = buildStrMap(__webpack_require__(/*! ../lang/strings.json */ \"./src/lang/strings.json\"));\n\n I18n.setLangMap = function (lang, strings) {\n if (lang && strings) {\n I18n.langMap[lang] = buildStrMap(strings);\n }\n }; // instance members\n\n\n I18n.prototype = {\n t: function t(id) {\n switch (true) {\n // look up target language\n case Boolean(I18n.langMap && I18n.langMap[this.lang] && I18n.langMap[this.lang][id]):\n return I18n.langMap[this.lang][id];\n // fallback to default strings\n\n case Boolean(I18n.langMap && I18n.langMap[DEFAULT_LANG] && I18n.langMap[DEFAULT_LANG][id]):\n return I18n.langMap[DEFAULT_LANG][id];\n\n default:\n return '';\n }\n }\n };\n return I18n;\n}();\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/lib/I18n.js?")},"./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css":/*!*******************************************************************************************************!*\ !*** ./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css ***! \*******************************************************************************************************/function(module,__webpack_exports__,__webpack_require__){eval('__webpack_require__.r(__webpack_exports__);\n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__ = __webpack_require__(/*! ../node_modules/css-loader/dist/runtime/api.js */ "./node_modules/css-loader/dist/runtime/api.js");\n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default = /*#__PURE__*/__webpack_require__.n(_node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__);\n// Imports\n\nvar ___CSS_LOADER_EXPORT___ = _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default()(function(i){return i[1]});\n// Module\n___CSS_LOADER_EXPORT___.push([, "/* Sprites */\\n#spchp.permission-guide .guide .microphone .sprite,\\n#spchp .close-button,\\n#spch .close-button,\\n#spch .spchc .microphone,\\n#spch .spchc .speaking .microphone {\\n background-image: url(;\\n background-repeat: no-repeat;\\n background-size: initial;\\n color: transparent;\\n}\\n/* Retina displays */\\n@media\\n only screen and (-webkit-min-device-pixel-ratio: 2),\\n only screen and (min-device-pixel-ratio: 2),\\n only screen and (min-resolution: 192dpi),\\n only screen and (min-resolution: 2dppx) {\\n#spchp.permission-guide .guide .microphone .sprite,\\n#spchp .close-button,\\n#spch .close-button,\\n#spch .spchc .microphone,\\n#spch .spchc .speaking .microphone {\\n background-size: 41px 330px;\\n background-image: url(\\n}\\n }\\n\\n/* permission guide */\\n#spchp.permission-guide {\\n height: 100%;\\n width: 100%;\\n padding: 0;\\n opacity: 0.9;\\n background-color: #fff;\\n left: 0;\\n overflow: hidden;\\n position: fixed;\\n text-align: left;\\n top: 0;\\n z-index: 10000;\\n transition: visibility 0s linear 0.218s, background-color 0.218s;\\n}\\n#spchp.permission-guide .close-button {\\n background-position: 0 0;\\n width: 24px;\\n height: 24px;\\n border: none;\\n cursor: pointer;\\n right: 0;\\n margin: 20px;\\n padding: 0;\\n position: absolute;\\n top: 0;\\n z-index: 10;\\n opacity: 0.8;\\n }\\n#spchp.permission-guide .close-button:hover {\\n opacity: 1;\\n }\\n#spchp.permission-guide .guide {\\n margin: 191px 0 0 507px;\\n }\\n#spchp.permission-guide .guide .microphone {\\n height: 68px;\\n width: 52px;\\n border-right: 1px solid #232a31;\\n float: left;\\n }\\n#spchp.permission-guide .guide .microphone .sprite {\\n background-position: 0 -105px;\\n width: 28px;\\n height: 28px;\\n }\\n#spchp.permission-guide .guide .guide-text {\\n height: 68px;\\n margin-left: 24px;\\n float: left;\\n }\\n#spchp.permission-guide .guide .guide-text .title {\\n color: #232a31;\\n font-size: 32px;\\n font-family: HelveticaNeue-Bold;\\n line-height: 28px;\\n margin-bottom: 16px;\\n }\\n#spchp.permission-guide .guide .guide-text .text {\\n color: #232a31;\\n font-size: 16px;\\n line-height: 28px;\\n }\\n#spchp.permission-guide.hide {\\n display: none;\\n }\\n\\n/* speech panel */\\n#spch.spch {\\n background: #fff;\\n height: 100%;\\n left: 0;\\n opacity: 0;\\n overflow: hidden;\\n position: fixed;\\n text-align: left;\\n top: 0;\\n visibility: hidden;\\n width: 100%;\\n z-index: 10000;\\n transition: visibility 0s linear 0.218s, background-color 0.218s;\\n}\\n#spch.spch .close-button {\\n background-position: 0 0;\\n width: 24px;\\n height: 24px;\\n border: none;\\n cursor: pointer;\\n right: 0;\\n margin: 20px;\\n padding: 0;\\n position: absolute;\\n top: 0;\\n z-index: 10;\\n opacity: 0.8;\\n }\\n#spch.spch .close-button:hover {\\n opacity: 1;\\n }\\n#spch.spch .spchc {\\n display: block;\\n height: 97px;\\n pointer-events: none;\\n }\\n#spch.spch .spchc .inner-container {\\n width: 100%;\\n height: 100%;\\n opacity: 0.1;\\n pointer-events: none;\\n transition: opacity 0.318s ease-in;\\n }\\n#spch.spch .spchc .inner-container .spch-control {\\n display: inline-block;\\n }\\n#spch.spch .spchc .inner-container .text-container {\\n float: left;\\n height: 91px;\\n overflow: hidden;\\n margin: 3px 0;\\n pointer-events: none;\\n width: calc(50% - 48.5px);\\n }\\n#spch.spch .spchc .inner-container .text-container p {\\n display: table-cell;\\n vertical-align: middle;\\n width: 550px;\\n height: 97px;\\n }\\n#spch.spch .spchc .inner-container .text-container .spcht {\\n font-weight: normal;\\n color: #6e7780;\\n line-height: normal;\\n opacity: 0;\\n pointer-events: none;\\n text-align: left;\\n -webkit-font-smoothing: antialiased;\\n transition: opacity 0.1s ease-in, margin-left 0.5s ease-in, top 0s linear 0.218s;\\n }\\n#spch.spch .spchc .inner-container .text-container .spcht.hide {\\n display: none;\\n }\\n#spch.spch .spchc .inner-container .text-container #spcht-retry {\\n color: #0f69ff;\\n cursor: pointer;\\n pointer-events: auto;\\n }\\n#spch.spch .spchc .inner-container .button-container {\\n pointer-events: none;\\n position: relative;\\n transition: transform 0.218s, opacity 0.218s ease-in;\\n }\\n#spch.spch .spchc .inner-container .button-container .button {\\n background-color: #fff;\\n border: 1px solid #eee;\\n border-radius: 100%;\\n bottom: 0;\\n box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);\\n cursor: pointer;\\n display: inline-block;\\n left: 0;\\n opacity: 0;\\n pointer-events: none;\\n position: absolute;\\n right: 0;\\n top: 0;\\n transition: background-color 0.218s, border 0.218s, box-shadow 0.218s;\\n }\\n#spch.spch .spchc .inner-container .button-container .button .microphone {\\n background-position: 0 -24px;\\n width: 41px;\\n height: 41px;\\n left: 27px;\\n pointer-events: none;\\n position: absolute;\\n top: 27px;\\n transform: scale(1);\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple {\\n position: absolute;\\n width: 136px;\\n height: 136px;\\n z-index: -1;\\n left: 50%;\\n top: 50%;\\n opacity: 0;\\n margin: -70px 0 0 -70px;\\n border-radius: 100px;\\n -webkit-animation: ripple 3.3s infinite;\\n animation: ripple 3.3s infinite;\\n background-color: #fff !important;\\n border: 2px solid #e0e4e9;\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(2) {\\n -webkit-animation-delay: 1.1s;\\n animation-delay: 1.1s;\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(3) {\\n -webkit-animation-delay: 2.2s;\\n animation-delay: 2.2s;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .button {\\n background-color: #0f69ff;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .button .microphone {\\n background-position: 0 -65px;\\n width: 40px;\\n height: 40px;\\n pointer-events: none;\\n position: absolute;\\n transform: scale(1);\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .ripple {\\n background-size: 114px;\\n position: absolute;\\n width: 114px;\\n height: 114px;\\n z-index: -1;\\n left: 50%;\\n top: 50%;\\n margin: -57px 0 0 -57px;\\n -webkit-animation: speakingRipple1 2s infinite;\\n animation: speakingRipple1 2s infinite;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .ripple:nth-child(2) {\\n 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    What are the cons of student loan forgiveness? ›

    Cons of Student Loan Forgiveness Programs
    • The qualifying criteria are very stringent. To get the benefits of a forgiveness program, you have to first ensure that you are employed by a qualified employer. ...
    • Job prospects are limited. ...
    • You will be required to make a long-term job commitment.
    Dec 22, 2022

    Will the government ever forgive private student loans? ›

    No. Since private student loans aren't controlled by the government, borrowers don't have the same protections they do with federal student loans. So, while private loan lenders may have the power to forgive student loans, they're certainly not going to let you or your student loans off the hook.

    Who is benefiting from student loan forgiveness? ›

    The plan would forgive up to $10,000 in federal student debt for individuals making less than $125,000 a year and married couples making less than $250,000 a year. Additionally, the student loans of income-eligible individuals who received Pell grants would be reduced by up to $20,000.

    Would forgiving student loans help or hurt the economy? ›

    For personal economies, yes, student loan forgiveness is helpful. The larger economy is likely to see slight returns, if any, in the immediate future.

    Why we shouldn't forgive student loans? ›

    Forgiving debt of any amount is bad policy. It's unfair to people who have paid off their debt, to those who chose not to go to college, to people who went to college and now hold high-paying jobs, and it's unfair to future generations who will not have their debts forgiven.

    What are the cons of bidens student loan forgiveness? ›

    Five Problems with Biden's Student Loan Forgiveness Plan (And What To Do About Them)
    • It is expensive. ...
    • It will exacerbate the student loan debt problem. ...
    • It will increase inflation. ...
    • It is mistargeted. ...
    • It is regressive.
    Aug 25, 2022

    Can old student loans be forgiven? ›

    The answer: Yes! However, there are very specific eligibility requirements you must meet to qualify for loan forgiveness or receive help with repayment. Loan forgiveness means you don't have to pay back some or all of your loan.

    What happens if you don't pay private student loans? ›

    While timelines can vary between lenders, private loans usually default after three missed monthly payments. 120 Days: By 120 days of delinquency, the majority of private loans enter into default, resulting in consequences like a hard-hit credit score, wage garnishments, and other legal issues.

    How do I know if my student loan is forgiven? ›

    How will I know when my loans are forgiven? The Department of Education will notify you when your application is approved, and your loan servicer will update you once your loans are forgiven. Keep an eye out for any correspondence from your servicer via email or mail, and regularly check your loan balance online.

    Who owns most of the student loan debt? ›

    Most student loans — about 92%, according to a December 2021 report by MeasureOne, an academic data firm — are owned by the U.S. Department of Education. Total federal student loan borrowers: 43.5 million.

    Who profits off of student loans? ›

    Outside the government, most student loans are held by the lender or a third-party loan servicing company. Originators and third parties can each perform in-house collection services or contract that duty out to a collection agency.

    Can people on Social Security get student loan forgiveness? ›

    Generally, if you are approved for, and currently receiving Social Security Disability Insurance (SSDI) benefits, then you should be automatically identified through an existing data match with the SSA and have any qualifying student debt automatically forgiven.

    Would cancelling student debt increase inflation? ›

    There could also be some stimulating impact, as the debt cancellation could free up borrowers' cash flow, and the additional spending may create more tax revenue. However, at the same time, this is also likely to be inflationary.

    Will student loan forgiveness worsen inflation? ›

    Student Loan Forgiveness is Unlikely to Impact Inflation Rates | Bankrate.

    Would forgiving student loans worsen inflation? ›

    Similarly, Mark Zandi, Moody's Analytics chief economist, says the effect on inflation is "largely a wash." He estimates that student debt forgiveness starting at $10,000 will increase inflation by 0.08%, as measured by the consumer price index (CPI), another commonly used measure of inflation.

    Why should student loans be erased? ›

    Targeted student debt cancellation of at least $10,000 will help millions of Americans better manage their budgets, build wealth, and reduce the racial wealth gap, immediately improving financial security and laying the foundation for faster upward economic mobility.

    Is cancelling student debt a good idea? ›

    Overall, student debt cancellation provides little economic stimulus, a point CRFB has made multiple times throughout the years. That said, even their own numbers show that canceling some student debt and restarting payments in the near future would reduce inflation versus restarting payments.

    Does student loan forgiveness benefit the wealthy? ›

    KEY TAKEAWAYS: Top earners benefit the most from Biden's student loan giveaway, despite the Administration's efforts to target low-income borrowers. According to the CFRB, “57 percent to 65 percent of the extended pause and cancellation will go to those in the top half of the income spectrum.”

    What group has the most trouble paying back the student loans? ›

    Black and African American student borrowers are the most likely to struggle financially due to student loan debt making monthly payments of $289. 54% of all student loan debt is held by White and Caucasian student borrowers.

    At what age is your student loan written off? ›

    Student loans, on the other hand, are written off after a period of time. Plan 1 loans are written off once you turn 65 if you began your studies in the academic year 2005/06 or earlier, while from 2006/07 or later, they are written off 25 years after the April you were first due to repay.

    Do student loans expire after 20 years? ›

    Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years (if all loans were taken out for undergraduate study) or 25 years (if any loans were taken out for graduate or professional study).

    Can the government take your Social Security for student loans? ›

    By law, Social Security can take retirement and disability benefits to repay student loans in default. Social Security can take up to 15% of a person"s benefits. However, the benefits cannot be reduced below $750 a month or $9,000 a year.

    Do student loans go away after 7 years? ›

    If the loan is paid in full, the default will remain on your credit report for seven years following the final payment date, but your report will reflect a zero balance. If you rehabilitate your loan, the default will be removed from your credit report.

    How can I get rid of private student loan debt legally? ›

    To get rid of them, you'll need to pay off the balance in full or qualify for a loan forgiveness option like Public Service Loan Forgiveness or Total and Permanent Disability Discharge. Read more about how to get a copy of a student loan promissory note.

    Can student loans take your house? ›

    The federal government won't take your home because you owe student loan debt. However, if you default and the U.S. Department of Education cannot garnish your wages, offset your tax refund, or take your Social Security Benefits, it may sue you.

    Is student loan forgiveness automatic? ›

    Who qualifies for automatic student loan forgiveness. The Education Department already has the necessary information to forgive the debt of approximately 8 million federal student loan borrowers. The core requirement to qualify for forgiveness is adjusted gross income, or AGI, for either 2020 or 2021.

    What will happen to my credit score if my student loans are forgiven? ›

    Your credit score might rise. For some people, student loan forgiveness could actually lead to a higher credit score. That's because eliminating up to $20,000 in debt could constitute a major decrease in your total debt balance, which accounts for 30% of your FICO score.

    How long does it take to hear back about student loan forgiveness? ›

    This process can take at least 90 days, but it could take longer.

    What race has most student loan debt? ›

    Key debt statistics by race. Black students take out the most student loan debt for a bachelor's degree, followed by white students. Black borrowers carry a median student loan balance of $30,000.

    What generation has the most student debt? ›

    In 2021, the generation Z in the United States had an average of 18,878 U.S. dollars in student loan debt. By contrast, Generation X had the highest student loan debt, amounting to over 46,000 U.S. dollars. The value of outstanding student loans has been consistently rising over the past few decades.

    Does the government make money on student loan interest? ›

    By forgoing nearly $5 billion a month in interest, the federal student loan program swung from a profit to a loss even in the most optimistic of projections. Let's take a tour of how the federal government's budget calculates the subsidy rates for various federal programs.

    How student loans are predatory? ›

    Predatory lending is more than obscene interest rates or pressure sales tactics. A loan program that extends credit while also knowing that a sizeable fraction of its borrowers will never earn enough money to cover the cost does just as much harm.

    How much has the government made from student loan interest? ›

    Nor does it cover private debt. So, what do we make of the $70.3 billion figure? One striking thing I noticed is that about 32 percent of the total, or $22.4 billion, consisted of interest payments.

    Can 401k be garnished for student loans? ›

    However, some kinds of income can't be garnished. Social security payments, child support, alimony, disability benefits, and income from pensions, IRAs, 401(k)s, and other retirement funds are safe from private student loan garnishment.

    Are student loans forgiven at age 65? ›

    Are student loans forgiven when you retire? The federal government doesn't forgive student loans at age 50, 65, or when borrowers retire and start drawing Social Security benefits. So, for example, you'll still owe Parent PLUS Loans, FFEL Loans, and Direct Loans after you retire.

    Who's eligible for public loan forgiveness? ›

    If you have worked in public service (federal, state, local, tribal government or a non-profit organization) for 10 years or more (even if not consecutively), you may be eligible to have all your student debt canceled.

    Are student loans hurting the economy? ›

    Student Debt Reduces Spending

    Economists agree that when consumers have less expendable income due to debt obligations, they decrease spending. Each time a consumer's student debt-to-income ratio increases 1%, their consumption declines by as much as 3.7%.

    Will Biden student loan forgiveness cause inflation? ›

    Gourley adds that the forgiveness “isn't going to generate large consumer spending,” which could be a factor to inflated prices. This is because only 31% of borrowers would see their debt completely erased by Biden's plan, according to a report from the New York Federal Reserve.

    Who benefits from student loan forgiveness? ›

    The plan would forgive up to $10,000 in federal student debt for individuals making less than $125,000 a year and married couples making less than $250,000 a year.

    What are the negative effects of student loans? ›

    So how does student debt affect the economy? Among some of the larger (mostly bad) impacts, student debt…
    • Slows the growth of new businesses.
    • Lowers rates of homeownership.
    • Makes it harder to weather a recession.
    • Suppresses consumer spending.
    • Delays traditional life milestones.
    • Puts a damper on retirement savings.
    Jan 11, 2023

    Is it a good idea to forgive student loans? ›

    Student debt cancellation would help alleviate this burden and help families pay down other debt as well. A recent CNBC survey found that more than half of respondents would pay off other loans if student loans were canceled, and 45 percent would save for retirement.

    Will forgiving student loans cause inflation? ›

    Student Loan Forgiveness is Unlikely to Impact Inflation Rates | Bankrate.

    What is the argument for canceling student loans? ›

    For example, student loan cancellation could boost GDP by $174 billion and create up to 1.5 million jobs. 11. Wide-scale student loan forgiveness also helps student loan borrowers afford to get married, start a family, buy a home, save for retirement and start a business.

    Who carries most student debt? ›

    Those ages 25 to 34 are the most likely to hold student loan debt, but the greatest amount is owed by those 35 to 49 — more than $600 billion, federal data show.

    Why is there so much student loan debt in the United States? ›

    Students are generally borrowing more because college tuition has grown many times faster than income. The cost of college—and resulting debt—is higher in the United States than in almost all other wealthy countries, where higher education is often free or heavily subsidized.

    Who is most affected by student debt? ›

    Black and African American student borrowers are the most likely to struggle financially due to student loan debt making monthly payments of $289. 54% of all student loan debt is held by White and Caucasian student borrowers.

    Will student loan forgiveness make inflation worse? ›

    Similarly, Mark Zandi, Moody's Analytics chief economist, says the effect on inflation is “largely a wash.” He estimates that student debt forgiveness starting at $10,000 will increase inflation by 0.08%, as measured by the consumer price index (CPI), another commonly used measure of inflation.

    Who owns student debt? ›

    The federal government or a commercial entity owns your student loans. Private companies own all private loans. The Department of Education holds most federal loans.

    Will my credit score go up after student loan forgiveness? ›

    Your credit score might rise. For some people, student loan forgiveness could actually lead to a higher credit score. That's because eliminating up to $20,000 in debt could constitute a major decrease in your total debt balance, which accounts for 30% of your FICO score.

    Why are Pell Grants being forgiven? ›

    The Biden administration is targeting Pell grant recipients for additional forgiveness “to smooth the transition back to repayment and help borrowers at highest risk of delinquencies or default once payments resume,” according to the Department of Education.


    1. Biden administration forgives $1 billion in student loans for borrowers cheated by for-profit school
    (First Coast News)
    2. Biden OKs $5.8B in Debt Relief for Corinthian Students; Pressure Grows to Abolish All Student Debt
    (Democracy Now!)
    3. Biden's Student Loan Forgiveness Plan | Where Do We Go From Here?
    (Steve Shives)
    4. Dr. Phil Discusses Student Loan Forgiveness
    (Dr. Phil)
    5. Biden Says NO To Student Loan Forgiveness
    (The Young Turks)
    6. President Biden delivers an update on Student Debt Relief
    (Yahoo Finance)
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