jnm123--I agree, I think those that are current on loans, etc. aren't going to see any real help but in my opinion, that is where the help should come. If you can free up $500-1000/month for those that are current, they will spend the money on "stuff", stimulating the economy vs those that are behind most likely spending those newly freed up dollars to pay other bills, doing nothing for the economy really. Also, it would be nice, just once, to get some kind of a reward for doing the right thing vs seeing all of the help for those that maybe didn't make the best choices. I think it sends the wrong message--"took too much in loans for your unproductive major, oh well, here is your money anyway'.