We need a monetary ballout for people with outstanding student loans. The banks and car dealers can but we can't?

Why is it that you cannot file backrupcy for student loans but you can for things that are useless. Getting student were to help students who could not afford school to be able to attend school. I am glad that they go by your income for federal student loans. However, that is not the case for private student loan companies. It is horrible! Not calling any names but you will have to pay to keep your laon in forbearance for three months. Now remind you this doesn't go towards your balance. Ridiculous. Also if you miss a payment or two because you are struggling, if you start back to pay they will harrass you with phone calls and threaten you with ganishments like you haven't paid nothing. Something should be done because it is messing up our financial history. We want to move on but how...