Income Based Repayment came from the Dem controlled Senate/Congress - it mean those who are “under employed” can base their repayment, no matter the amount owed, on a portion of income and after 20/25 years the loan is paid in full....so $50 a month for a “community organizer with a law degree and $200K in loan debt” can actually repay $12K and be debt free
“From each according to his abilities, to each according to his needs.” -Karl Marx