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Traditionally, it has been. by FaytlND
Except it was specifically exempted through 2025 when ARPA was passed.
And I'm not sure how to continue that thought at the end. I prefer not to make value judgements without knowing the details. If you're a waitress making student loan payments on a 12k loan after 10 years you don't deserve consideration because you're an irresponsible deadbeat? Quite a few assumptions packed in there.