A doctor could get out with $400,000 in loans, get a job at a clinic paying $40,000 and then consult on the side. His discretionary income would come out of the $40,000. He could be making $300,000 consulting.
This is THEFT folks!
It all really depends on whether this hypothetical doctor is white, or Black.....
A woman could get a degree in Fine Arts, and then go live with a guy and be an unmarried "housewife". As her discretionary income is zero, she would pay nothing.
There is already a cap on student loan repayments based on discretionary income. The Reconciliation Act just lowers the cap from 15% to 10%.
“Discretionary income” is defined as adjusted gross income minus 150% of the poverty level (based on family size). If your hypothetical doctor did what you suggest, his consulting fees would be part of his adjusted gross income, just as it would be for tax purposes, and he wouldn’t reduce his loan payments by a cent.