Who’s Really Getting Rich Off Your Student Loans While You’re Left Drowning in Debt?
Written by Peter Boykin on May 2, 2025
Who’s Really Getting Rich Off Your Student Loans
While You’re Left Drowning in Debt?
#GoRightNews Shared by Peter Boykin
American Political Commentator / Citizen Journalist / Activist / Constitutionalist for Liberty
The Student Loan SCAM That’s Bankrupting America:
Everyone Got Rich Except the Students Left Drowning in Debt!
Think your student loan debt is your fault? Think again. The truth is that millions were sold a lie by colleges, banks, and politicians on BOTH sides of the aisle. From skyrocketing tuition to broken promises of “good jobs,” this crisis isn’t about laziness—it’s about betrayal. Students were told to go to college, take out loans, and chase the American Dream. But while universities, banks, bureaucrats, and politicians cashed in, graduates were left drowning in debt with broken promises and no return. This isn’t a partisan failure—it’s a full-blown system collapse. And the victims? The students who did everything right. Read how the system failed us all and what must change NOW.
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Who’s Really Getting Rich Off Your Student Loans
While You’re Left Drowning in Debt?
🎓 America’s Student Loan Crisis: A National Shame, not a Partisan Issue
The student loan crisis is not just a left or right issue; it’s a systemic failure that affects Americans across all political, economic, and generational lines. It’s a crisis built over decades from a combination of unchecked college costs, misleading career promises, broken financial aid systems, and a labor market that doesn’t deliver the returns that were promised in exchange for these massive debts.
🔍 Here’s the Bigger Picture: Why Student Loans Became a National Crisis
Let me start with a personal story—because, frankly, it’s one that millions of Americans can relate to. Imagine this: two Master’s degrees in Information Technology, a mountain of college debt, and a job market that failed to deliver on the promises made when I was told this was the way to succeed.
I invested years of my life and hundreds of thousands of dollars into higher education, believing that by following the well-worn path of education and sacrifice, I would be rewarded with a stable, well-paying career.
What did I get in return?
A massive debt burden and a job market that didn’t need—or want—what I was sold. The promises of lucrative job opportunities in the tech field turned out to be hollow. Instead of moving forward, I’m stuck—just like millions of others—under the weight of student loans that keep ballooning due to interest, while the job opportunities I was promised to remain out of reach.
This isn’t just my story. It’s the story of an entire generation of students who were sold a bill of goods, and now we’re all paying the price. It’s time we look at the real problem—the one that’s behind the mountain of student loan debt and the broken promises from both colleges and government.
This is the student loan crisis, and it’s much bigger than just the numbers on a balance sheet.
Skyrocketing Tuition Without Accountability
Over the past few decades, the cost of attending college has skyrocketed at an alarming rate. In fact, since the 1980s, tuition at public four-year colleges has nearly tripled in real terms, far outpacing inflation. This dramatic increase is not a natural consequence of inflation or rising costs of living—it’s a systemic failure that results from unchecked tuition hikes and poor financial accountability within universities.
Universities have expanded far beyond their primary function of educating students. They’ve invested in extravagant amenities, lavish student centers, and enormous athletic facilities—sometimes at the expense of the academic programs that should be their priority.
Alongside these unnecessary investments, universities have ballooned their administrative costs, hiring an army of non-teaching staff that does little to directly improve the educational experience. All the while, federal student aid, in the form of loans and grants, has continued to flood into the system, creating an environment where schools have no incentive to reign in costs.
The money that universities receive through federal aid has allowed them to charge astronomical tuition rates without having to answer for the outcome of that investment.
Were students actually equipped with the skills necessary to secure meaningful employment?
Did they leave college with a solid footing in their career?
More often than not, the answer is no.
The real return on investment for many students is a degree that doesn’t match the skill set employers are looking for, leaving them to struggle in a job market that has no use for the knowledge they gained. But universities continue to collect their tuition and grow in size, all while students are left to shoulder the debt.
Predatory Lending and Ballooning Interest
Federal student loans, while touted as a solution for making higher education accessible, are anything but normal loans.
Unlike mortgages or car loans, student loans accrue interest rapidly and relentlessly. While other types of debt may come with fixed interest rates, student loans are a beast of their own. Borrowers who took out loans in good faith to fund their education—like those of us who thought an education in a field like Information Technology, advertised as “in-demand,” would lead to success—often end up paying far more than they ever borrowed.
The reality is that the job market didn’t meet the promises made by universities, and the skills learned during our years of study quickly became outdated.
Employers expect the latest skills, but universities didn’t provide them. So, instead of stepping into a high-paying career, many borrowers face the harsh reality of not being able to find employment in their field or only finding part-time or low-paying positions.
To make matters worse, the loans that were supposed to be an investment in our futures instead become an insurmountable burden. The loans continue to balloon due to compounded interest, and the burden of paying back debt becomes even heavier. For many of us, the idea of “paying off the loans” feels like an unattainable dream, with interest growing faster than the repayment.
A Broken Promise: Degrees Don’t Guarantee Jobs
For decades, the American dream was built on the idea that a degree equaled a job. We were told that if we invested in our education, we’d be rewarded with stability and prosperity. But for millions of college graduates, this promise is increasingly a cruel myth. Jobs in fields like technology, media, and finance, which once offered promising futures, are now volatile and uncertain. Companies constantly merge, offshore, automate, or rebrand themselves, leaving workers in limbo as they try to keep up with the changing demands of the market.
And even when graduates do manage to find jobs, they often find that their degrees don’t provide them with the marketable skills employers expect. Many students are left with outdated knowledge, and career placement services at colleges are either underfunded or ineffective.
There’s a huge gap between what the college promised in terms of career readiness and what graduates actually receive. It’s not that people don’t want to work—it’s that they simply cannot find the job opportunities that their degree was supposed to provide.
In many cases, even those who are able to find work may end up in jobs that don’t require a degree, let alone the degree they’ve spent years pursuing.
This broken promise leaves countless individuals with massive student debt and no clear path to financial stability.
Pell Grants and Loan Reform: A Bipartisan Tug-of-War
When it comes to addressing the student loan crisis, both Republicans and Democrats have put forward proposals—but unfortunately, both sides seem more focused on scoring political points than on finding real solutions.
Republicans have introduced bold legislation aimed at restructuring the student loan system. Their proposal includes eliminating interest on federal loans, replacing it with a one-time fee, and creating income-linked repayment plans where borrowers pay a set percentage of their income over time. This plan also includes expanding Pell Grants for short-term programs and promoting vocational training and apprenticeships as viable alternatives to the traditional four-year degree path.
The idea here is to create a system that encourages more flexible and practical career training while providing an opportunity for those who might not want—or be able—to attend a four-year university.
Democrats, on the other hand, have pushed for debt cancellation on a massive scale, with proposals ranging from broad student loan forgiveness to the expansion of Public Service Loan Forgiveness programs. They’ve also focused on gainful employment regulations that hold colleges accountable for whether their programs actually provide the skills necessary to secure employment.
However, the issue remains that both sides seem more focused on taking credit for fixing the system and blaming the other for the ballooning costs, rather than actually doing something to address the crisis.
The real reforms that are needed—such as making colleges more accountable for the outcomes of their programs, offering realistic and sustainable repayment plans, and investing in alternative educational pathways—seem to be lost in the political back-and-forth. Meanwhile, students and graduates continue to suffer under the weight of the debt they were saddled with in the first place.
Both sides are pointing fingers, but neither has truly addressed the root causes of the student loan crisis—namely, the unchecked rise in tuition costs, the predatory nature of student lending, and the unfulfilled promise of a degree.
Until we can come to a place where both sides are willing to put partisanship aside and focus on real, meaningful reforms, millions of Americans will continue to be left out in the cold, drowning in debt.
Why Should Students Even Have Debt for Education?
Isn’t Higher Education About Advancing Knowledge and Improving Lives?
The idea that students should be saddled with massive debt to obtain an education raises a fundamental question:
Why should anyone have to pay so much for knowledge, especially when education is meant to further our collective understanding, improve human existence, and prepare us for the ever-changing world?
Shouldn’t the purpose of higher education be to build the next generation of thinkers, innovators, and contributors to society, not to turn young adults into lifelong debtors?
Yet, here we are, in a system where the pursuit of knowledge has turned into a multi-billion-dollar industry. The cost of higher education has skyrocketed in recent decades, with colleges and universities more interested in securing their bottom line than focusing on the quality of education they provide. They have expanded beyond the basics—luxury amenities, massive administrative expansions, and extravagant athletic facilities—while students are left to pay the price.
As a result, young people, already burdened by the challenges of learning and maturing, are left with crippling debt that follows them for years, often well into their adulthood. It’s not just about finishing school; students are expected to build a career, start a family, buy a house, and save for retirement—all while paying off these huge loans. This is a system that seems rigged to keep people in financial chains, rather than helping them build their future.
The question we need to ask is:
Why is education structured this way?
Why should the pursuit of knowledge come at such a high cost?
Isn’t it enough that people struggle in their younger years to absorb information, develop skills, and lay the foundation for their future?
Take a moment to consider this: Is the system really designed to foster success, or is it set up to ensure that people remain in debt, from cradle to grave?
But Wait—Does Education Even Guarantee Success?
It’s important to look at the real-world examples of people who didn’t follow the traditional education path and still managed to build incredible wealth and success. While we’re told that a degree is the only route to a good job, the reality is that many of the most successful people never even went to college—or didn’t finish it.
Steve Jobs, co-founder of Apple, dropped out of college and went on to change the world with the company that revolutionized personal computing and consumer electronics.
Bill Gates, the founder of Microsoft, famously dropped out of Harvard to create the world’s largest software company, becoming one of the richest men in the world.
Mark Zuckerberg, the creator of Facebook, also left Harvard to build his tech empire, which has made him one of the most influential figures in the world today.
Richard Branson, founder of the Virgin Group, struggled in school due to dyslexia and never graduated. Despite this, he has built a global business empire spanning everything from music to airlines.
Elon Musk, the founder of Tesla and SpaceX, attended Stanford University but dropped out after just two days to pursue his entrepreneurial ventures. Today, Musk is one of the wealthiest and most influential individuals on the planet, changing the way we think about electric vehicles and space exploration.
Even outside the tech industry, many others have found success without a formal degree. Oprah Winfrey, who dropped out of college after two years, became one of the most influential media moguls in history. Ellen DeGeneres, who dropped out of college to pursue comedy, became a wildly successful talk show host.
These individuals didn’t follow the typical path, and their stories stand in stark contrast to the widespread belief that a degree is the key to success.
If anything, they prove that success doesn’t depend solely on a piece of paper; it depends on innovation, drive, and sometimes, the courage to forge your own path.
The Question We Need to Ask
Given these examples, why should students be expected to carry the crushing weight of debt for something that doesn’t guarantee success?
If these individuals could achieve greatness without following the traditional education path, why is it that millions of students are made to feel that their worth and future depend solely on a degree?
If we truly believe in progress, shouldn’t we be rethinking how education is structured?
Shouldn’t we be creating an environment where education is accessible to everyone, without forcing them into lifelong debt?
Why is it that the system, which should be about empowerment and opportunity, is instead keeping people locked in financial struggles, unable to achieve the very things they were promised?
The reality is that the current system is failing the very people it’s supposed to serve.
It’s time to challenge this broken model, reevaluate what education really means in the modern world, and ask ourselves whether the way we treat higher education is truly in line with the principles of progress, knowledge, and opportunity.
💸 What Should Be the Focus?
Real Accountability for Colleges
At the heart of the student loan crisis lies an essential truth: colleges and universities should be held accountable for the outcomes they promise.
For too long, institutions of higher education have been able to collect vast amounts of federal student aid without demonstrating whether their programs actually provide students with the tools they need to succeed in the job market.
It’s time to change that.
Schools should lose access to federal aid if their programs fail to result in gainful employment.
We should stop rewarding institutions that continue to push students into overpriced programs without delivering on the promises of job opportunities.
If a college program consistently leaves graduates struggling to find work, then why should it be allowed to continue receiving taxpayer money?
Furthermore, colleges must be forced to publish clear, transparent data that shows students exactly what they are walking into when they take out loans to attend. Cost vs. outcome transparency is crucial.
Universities should be required to publish detailed information about average debt loads, job placement rates, and starting salaries by the majors offered.
This kind of transparency will allow students to make more informed decisions, rather than blindly taking on debt for degrees that offer limited job prospects.
If a program is failing its students, it should be obvious, and the school should bear the consequences. Students deserve to know whether the investment they’re making will lead to meaningful employment, or whether they’re simply signing up for financial ruin.
Fair Interest and Repayment Options
The way student loans work today is, quite frankly, broken.
One of the biggest issues is the way interest on federal student loans accrues. Unlike mortgages or car loans, student loans don’t operate like typical loans. The interest is often compounded and accumulates at a rapid pace, leaving borrowers with debt that balloons far beyond what they initially borrowed.
One solution is to consider zero-interest federal loans, as proposed by some Republicans. This could reduce the burden on borrowers, allowing them to focus on paying down the principal rather than watching their balance grow due to high interest rates.
Alternatively, capping interest rates at the inflation rate would ensure that borrowers are not penalized for borrowing during periods of economic volatility.
In addition to lowering interest rates, income-based repayment plans should be reformed to reflect real-time income data, not outdated IRS figures from years ago.
The current system is outdated and often leaves borrowers with repayment plans that don’t take into account how much they can actually afford to pay.
Adjusting payments based on current income would provide a much fairer system, allowing borrowers to pay back loans without being stretched to the breaking point.
Finally, student loan forgiveness programs, such as Public Service Loan Forgiveness, need to be revamped to ensure they actually work. Right now, these programs are mired in bureaucracy, and too many borrowers are left in limbo due to confusing rules and red tape.
If we want to honor our commitment to borrowers who dedicate themselves to public service, the process needs to be streamlined, straightforward, and genuinely helpful.
Forgiveness should not be something that feels like an impossible dream, but a realistic, attainable option for those who qualify.
Vocational and Alternative Education Investment
Not everyone is suited for a four-year degree, and that’s perfectly okay.
The focus should shift toward expanding community colleges, trade schools, and certification programs that are directly tied to industries that are hiring right now. The traditional college route isn’t the only path to success, and we need to recognize the value of alternative education options that can lead to meaningful careers.
Republican proposals have been calling for increased investment in vocational and short-term training programs, which could provide students with the skills they need for the workforce in a fraction of the time and cost of a traditional four-year degree.
Fields like healthcare, skilled trades, and technology all require specialized training that can often be obtained through certifications or apprenticeships.
By focusing on practical, job-specific skills, we can help people build fulfilling careers without pushing them into unnecessary debt.
It’s also crucial to change the cultural narrative around these alternatives.
Society should stop looking down on vocational education and instead embrace it as a legitimate, valuable option for those who don’t want or need to pursue a four-year degree. By doing so, we can create more opportunities for people to enter the workforce quickly and with the right tools to succeed, all while avoiding the financial strain of student loans.
Crackdown on Diploma Mills and For-Profit Scams
One of the most egregious issues in the higher education system is the rise of diploma mills and for-profit institutions that exploit vulnerable students, especially low-income and minority populations.
These schools often make bold promises of fast-track degrees and lucrative careers but fail to deliver anything of real value.
For-profit colleges prey on the desperation of individuals who are looking for a way out of low-paying jobs or trying to improve their circumstances. They often charge inflated tuition for programs that don’t provide students with useful, marketable skills.
In many cases, these programs leave students with worthless degrees, crippling debt, and little to no job prospects. Worse, many of these institutions target first-generation college students and minorities, knowing that they may not have the same resources or knowledge to fully vet these schools before enrolling.
A crackdown on these institutions is long overdue. Regulations should be put in place to ensure that these schools are held accountable for the results they deliver.
If a school is not providing a quality education that leads to gainful employment, it should not be allowed to continue operating.
It’s time to protect students from these predatory institutions and make sure that the education system works for them, not against them.
🗣️ “I Paid My Debt Off—Why Should I Pay Yours?” Let’s Address the Common Arguments
Whenever the topic of student debt reform or forgiveness comes up, there’s always a chorus of people ready to chime in with the same arguments. And while their feelings are valid, it’s time we unpack the assumptions behind these reactions—because this isn’t about entitlement. It’s about exposing a broken system that’s getting worse, not better.
🧾 “I paid off my loans—why should the taxpayers pay for yours?”
Let’s be honest: No one is asking for a bailout to erase responsibility.
What many are asking for is accountability from the institutions and policymakers who allowed this system to spiral out of control.
If you paid off your loans decades ago, you likely didn’t face the same skyrocketing tuition costs, predatory interest rates, or a volatile job market where a degree no longer guarantees employment.
You might’ve paid off $20,000 over time. Today’s students often face $100,000–$250,000+ for the same degrees—with far less return on investment.
It’s not about fairness in the past. It’s about stopping the bleeding for the future.
Wouldn’t it be better if your children or grandchildren didn’t have to suffer worse than you did?
💬 “You took out the loan, so you should pay it back.”
Of course, people should honor commitments. But what if the terms were rigged from the start?
Imagine signing a contract based on what trusted institutions—schools, government, and society—told you was a smart investment… only to find out later the product didn’t deliver, the interest doubled your balance, and you were left with outdated skills and no job.
That’s not a simple loan—that’s deception.
We don’t say this to defend irresponsibility. We say it to call out a system that profits from misleading millions of people, trapping them in debt before they even start life.
🚫 This Isn’t About Free Rides. It’s About Ending a Cycle of Exploitation.
No one’s asking for luxury. People just want a fair shot—to work hard, pay what’s fair, and build a life without drowning in debt that was engineered to grow faster than their income.
This isn’t just about students anymore. It’s about economic stability, family formation, housing markets, and future innovation.
If we continue to ignore this crisis, we’re not punishing laziness—we’re crippling an entire generation of workers, thinkers, and creators.
We can acknowledge those who paid their way and fix a broken system for those caught in it now. Compassion and reform aren’t mutually exclusive.
The real question is:
Do we want to be a society that punishes the next generation for doing exactly what they were told to do?
👁️🗨️ To Everyone Stuck in Student Debt: Your Experience Is the Reality for Millions
This Is Your Reality—And You’re Not Alone
You didn’t make irresponsible choices when you decided to invest in your education—you were following a path that society, the government, and the educational system all promised would lead to success.
You believed that a degree would open doors, that a higher education would lead to higher wages, and that your investment in yourself would pay off.
Instead, you ended up with six-figure debt and little to no job prospects.
You did everything you were told was right. You worked hard, applied yourself, and chose education as your path to a better life.
You didn’t party your way into debt or make reckless decisions—you made an investment in your future because society, schools, and the government told you it would pay off.
They said, “Go to college and you’ll succeed.”
But now here you are—with tens or hundreds of thousands of dollars in debt, and a job market that doesn’t reflect the promises you were sold.
This is not an isolated case—it’s the reality for millions of Americans who are struggling with student loan debt.
The system has failed us, and it’s clear that it’s not about laziness or poor planning. It’s about being misled by a broken system that profits off students while providing them with little in return.
This isn’t your fault.
You were sold a vision that didn’t match reality. And you’re not alone—millions of Americans are living the exact same nightmare. This isn’t about laziness or poor planning. It’s not about choosing the “wrong” degree or not working hard enough.
This is about a system that was rigged from the start—one that made everyone else rich while you were left holding the bill.
While Biden’s administration did propose “gainful employment” rules to hold colleges accountable, even that effort has been slow to make an impact.
And when it comes to student loan forgiveness programs, the courts have struck down broader efforts, leaving borrowers in a state of limbo. Both parties have played political football with this issue, with little meaningful reform coming from either side.
While you’ve been struggling to repay loans that never stop growing thanks to compounding interest, politicians keep pointing fingers, the courts block forgiveness efforts, and colleges continue raising tuition without delivering the skills or job opportunities you were promised.
Even programs that were meant to help—like Public Service Loan Forgiveness or gainful employment rules—have been slow, full of red tape, or outright blocked.
The system is rigged, and it’s time to demand change. It’s time for real accountability, fair repayment options, and an education system that works for students, not just for universities and for-profit institutions.
The future of millions of Americans depends on it.
It’s time to stop blaming the borrowers and start holding the system accountable.
You deserve more than a lifetime of debt for trying to better yourself.
You’re not alone. You were misled. And now, we need to demand a system that works—for you, not just for the schools and lenders getting rich off your struggle.
The fight isn’t over. And your voice matters.
🎙️ #GoRight With Peter Boykin:
The Student Loan Crisis Is a Symptom of a Broken System – Not a Partisan Punchline
Let’s be real, folks—this student loan crisis?
It’s not a left issue; it’s not a right issue—it’s a full-blown system failure.
One that’s hitting Americans of every political stripe, economic background, and generation. And it’s not about people being lazy or irresponsible. It’s about a rigged education-industrial complex that has screwed over millions—including me.
I didn’t take Egyptian cave painting or interpretive ballet. I took Information Technology, one of the most hyped-up, “in-demand” fields of the 21st century.
But guess what?
I got no real job placement, no updated skills, and certainly no career that paid enough to cover the $250,000+ college debt I ended up with—debt that keeps growing thanks to interest stacked higher than Biden’s inflation.
Let me say that again: $250K+ in student loans, and no, I didn’t live it up on that money—I was trying to build a future I was told would exist.
And while some Republicans have stepped up to propose massive overhauls—like wiping out interest altogether, tying repayments to income, and prioritizing vocational alternatives—that still hasn’t solved it because let’s face it: both parties are more focused on optics than action.
The GOP says: “Let’s fix this without forgiving everything.”
The Democrats say: “Let’s forgive loans, but not fix the root.”
Meanwhile, colleges keep raking in taxpayer dollars and delivering nothing but debt.
Even though I don’t care for Joe Biden, his team at least tried to implement gainful employment policies to hold these bloated universities accountable—but guess what?
The courts got in the way. And nothing gets done because politicians want to score points, not save the people.
The job market is unpredictable companies are constantly merging, rebranding, outsourcing, and automating.
The idea that “you just picked the wrong major” is garbage. People like me picked the “right” one—and still got burned.
This is not about left or right.
This is about the fact that we were sold a dream, charged a fortune for it, and then handed the bill when the system didn’t deliver. Enough is enough.
It’s time for accountability, transparency, real alternatives, and reforms that serve students—not the system.
🎙️ #GoRight Recap/Remix – The Student Loan Scam:
A System That Failed an Entire Generation
Here at #GoRight with Peter Boykin—where we dig through the media noise and bring the real issues to the surface, Constitution-first and unapologetically grounded.
This article? We’re calling out the biggest con of the 21st century: the Student Loan Crisis.
Spoiler alert: it’s not just a Democrat or Republican issue—it’s a systemic scam.
📚 Let’s start with the facts:
College tuition has exploded since the 1980s—tripling in real terms.
Universities got rich. Bureaucrats got fatter. Banks cashed in on interest.
And students? Left holding a $250K+ bag of worthless promises—with no career guarantee and no realistic way to pay it off.
You’ve heard the talking points:
“You took the loan, pay it back.”
“I paid mine—why should I pay yours?”
Listen—this isn’t about skipping out on responsibility. This is about waking up to the truth:
We were sold a dream, pushed into degrees with the promise of success, only to graduate into a job market that ghosted us.
🎓 You went into IT? Nursing? Teaching? Engineering?
Too bad. The system didn’t care. It just wanted your signature, and your soul locked into compounding interest.
Both parties are to blame.
Republicans propose reforms—zero interest loans, income-based repayment, and vocational training investments.
Democrats want forgiveness programs, accountability rules, and more access to aid.
But what do they all have in common?
⚠️ They argue more about credit than solutions—while students drown in debt, working two jobs just to cover the interest.
Let’s be clear:
🎯 Education should empower—not enslave.
🎯 Colleges should face consequences if their graduates can’t get hired.
🎯 We need real transparency, real reform, and an end to diploma mills cashing out on misery.
And to those critics saying, “I paid mine, why not you?”—we say:
This isn’t about free handouts. It’s about ending the con, so the next generation isn’t robbed blind like we were.
Because you know what’s really un-American.
A system that profits off broken promises and punishes those who dared to believe in a better future.
🧠 So what’s the call?
It’s time to go right—go right at the heart of this scam, demand justice, and fight for reform that puts people first.
This has been your #GoRight Recap/Remix with Peter Boykin.
No spin. No lies. Just truth.
👉 Stay informed. Stay bold. And always—Go Right.
#GoRightNews, #StudentLoanScam, #EndTheDebtTrap, #AccountabilityNow, #FixTheSystem, #MillennialDebtCrisis, #EducationNotExploitation, #CollegeCon, #LoanReformNow, #PeterBoykin
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