[DannyTN]

They should never have made the student loans exempt from bankruptcy. I'd be okay with treating them differently, because they are loans taken with the expectation of a long term payback.

• Make other loans dischargeable before student loans.
• Maybe cap student loan payments at 5% of income.
• Make subsequent student loans secondary to prior student loans. So the most recent loans are the first to be discharged.
• Make institutions partially responsible.

[Kozy]

I am going to look for some loose change in his financial couch.
Let's start with Starbuck’s. Zero cups a day until you pay off the loan. Assuming 2 a day that's $200/mo. Will also improve your health as you eliminate all that sugar.
Next one internet/streaming service. That's another $100/mo.
Then insurances. Consolidate into 1 policy. Probably $25-$50/mo.
Stop eating out. All meals begin and end at home. You can save $100-$500/mo. Only buy items on sale, use 2/3 stores.
Forget vacations, assume $2,000/year.
Use credit cards that reward you for using their card.
Reduce your clothing purchase and only buy online and on sale.
There's %750 I found in your financial couch.
You can do it, it hurts, you will feel uncomfortable but is is done.
Oh make a budget. Then get 2 dozen envelopes and put cash equal to the budget amount. Envelope is empty and week left in month. Find the money. My mother lived this way. She put three children through college. All got degrees and lived on campus. One got master's and another MD.
Stop whining and solve the problem. Biden can't help you.