So you mean like today?

In case you didn't know, the banks hate people who repay their loans - or pay off their credit cards on time, or better, never run them up into negative. The industry calls them "deadbeats". Creditors love nothing better than people who can't get ahead of their debt because they get to pump money out of them forever.

Student debt is not meant to be paid off. It's designed to keep people paying for most of their lives.