Allowing the option of my plan is not at odds with anything you have said.
Some people will never pay of their loans in the way you describe. Their entire lives would be that of a debtor in financial prison. Allowing them another option hurts no one.
Why would you be against that?
Oh hell, no!
Because it is a subsidy, it enlarges government, and it is not an appropriate role for government. As I described previously, government jobs provide counter productive/negative experience anyway.