What would be your reaction if the system implemented the following?

The government(s) should automatically grant people   TOTAL REMISSION who are: suffering from permanent disability (Pre or post dating studies), who have not been able to secure suitable employment within 3 years after completed studies, and can demonstrate that he or she will not be able to repay the debt in the near or distant future.

To safeguard the system from any potential abuse, the government(s) can assess the remissed borrower from time to time in an effort to ensure that the integrity and mission of the "new" program is not compromised. If the disabled borrower secures gainful employment after the fact, and is able to contribute back to the student loans program, then it is only fair that the borrower do so. The amount of repayment MUST be income contingent *********************.

Just because someone is working doesn't mean they can afford to repay. The costs of living are yet one of the largest problems that limit one's ability to repay on demand. 

Johnny  

sounds like a terrific idea to me.  the current stipulation of having to have your disability occur within six months of completion of studies is utterly ludicrous. many illnessed go undiagnosed for years, and the current set up leavves victims of automobile accidents etc to the compassion of the system ( which doesnt work very well).

the notion of an income contingent repayment plan is a great one that has been bandied about, implemented in la belle province i believe last year. 

also, something else that would be a nice idea and would benefit many is the notion of volunteering for various agencies ( ie red cross, food shelter, literacy programs. hospitals, park services, etc) and haveing your loan reduced as compensation for yorr time while you are unable to find a job.  the upside is the volunteer hours can be added to your resume and you actually feel good about making a contribution to society on some sclae, instead of feeling helpless and frustrated at not being able to repay your loans....