[Oceander]

So let me understand: If I saved for 3 decades and paid cash for my kids to go to school, giving up vacations, new cars, and all of the other things Americans find normal too bad for me: their peers who just borrowed the money from the evil banks can just not pay for it ?

Don't mischaracterize what I said. I said nothing about just borrowing the money and then not paying for it. I said that the rules limiting discharge should be no more restrictive than the rules limiting the discharge of federal income taxes, with the addition of a minimum time requirement since the repayment period started, such as 7 to 10 years.

It seems to me that is a reasonable arrangement; after all, to advert to your hypothetical, should honest but unfortunate individuals who are drowning in unpaid income taxes not be given a bankruptcy discharge simply because you were more prudent and managed to pay your income taxes on time?

[Bainbridge]

I was more “prudent” and “managed” to pay my income taxes on time ? You mean like I overpay as it is my legal obligation, notwithstanding any political objection I might have?

Like I said: We went without: we paid our bills (both income taxes and college costs) so I too bad for us.............