Susan Kelley
2 min readJan 17, 2022


As the mom of three millennials, this is the line that truly stands out to me. Starting off with having "a great income." That's wonderful, and it's also uncommon.

My daughter, for example, is making great strides in paying her loans, but thanks largely to Covid, has a great degree with little work in her field. So she teaches instead, with a salary that is shameful. But one day, (she's 24 now), she'll have a mighty fine income in the arts.

Students like her don't have that "great income," but they do have great debt. She drives a used Honda Fit, she has a small apartment with a roommate - a list of things that propel her toward successful payment.

But...did we really know that inflation would be at a 50-year high? That real estate would become cartoonishly expensive? We knew none of this when borrowing for school, despite her working as an RA and at a restaurant, and the whole of summer break.

She's but one of millions of examples. And you don't mention the size of your loans or the amount of the interest, which is telling.

A non-subsidized student loan today starts with an interest rate of 8%.

Congratulations on being both frugal and wise, it's great.

But loan forgiveness is not about rewarding laziness. It's about retracting from the banks (Great Lakes included) who are near-predatory in their offers to young students, and need not take advantage of the huge interest the reap at the expense of an education.

You should be praised, yes. But does your good fortune really have to penalize all those who didn't figure it out and land an "great income?"

Be kinder in the world.



Susan Kelley

Susan is a runner, a mom of 3 grown children, and an avid traveler. She writes about humans, and wrote a book about false accusations of sexual assault.