I would do away with Student Loan Laws. Better yet throw the whole student loan away LOL!!! There are billions of people that are in student loan debt. No one should be made to pay that kind of debt. First of all, the interest’s rates are too high. Next, Students get degrees, enter into the real world with debt before they even start the job. It’s not fair. When I analyze the situation it’s traumatic. That debt never goes away. They get you further in debt by offering forbearances. Finally, to top it all off when you put the loan into forbearance, the interest rates are still being applied to the loan. It is so cruel to add interest to a loan that you can’t pay already.