The thought of forgiveness is that it is free which is true. The concept that forgiveness is freeing is also true. The belief that you have nothing to lose (except for negativity) and everything to gain from giving forgiveness is true as well. This thought, concept and belief of forgiveness does not apply to every form of it. You can see how the use of the word “forgiveness” after the words ‘student loan’ may be misleading for so many. It can also be construed as a deliberate tactic for that same reason. Let’s begin exploring this prior to the acquired debt.

As you know, God gave the gift of free will to mankind. With the ability to choose, comes responsibility. The choices you make create the life you live. How much of life is spent dealing with the consequences of choices made? How much of life is spent enjoying the rewards of choices made? Which would you prefer?

You and only you are responsible for the choices you make.

As this relates to the issue at hand, you choose to go to college. You choose your field of study. You choose where you go to college. You choose how you are going to pay for college. You choose what kind of college experience you have. After completing your undergraduate degree, you may choose to pursue graduate studies for a master’s and/or PhD. You choose what college/university to pursue these studies. You choose how you are going to pay for this additional education.

It is common knowledge that a financial loan is to be paid back usually with interest. When you accept a loan you are also accepting the financial responsibility of paying it back as set in the terms of the financial agreement entered into. I believe that student loan repayment begins 6 months after graduating.

Debt does not magically disappear when deemed “forgiven”. The money has to be accounted for somewhere. It can be accounted for by being absorbed as a loss thus subtracted from any profits. It can also be accounted for by being gained through other financial means such as decreased expenditures and/or price increases.

With that being said, how is this money that the government is “forgiving” on student loans going to be accounted for? Are there government profits to deduct it from? Nope. Are the colleges and universities giving back the forgiven money they received? No. Soooo, this isn’t forgiveness at all and means that the money must be gained through other financial means. Do you think that the amount of money can be accounted for by decreasing expenditures or that it would even be considered?

Under the guise of forgiveness, you no longer have to pay your student loan debt. You may think this is great. However, think about this, instead you of paying back your debt, you will be paying yours as well as all the other student loan debt that was “forgiven” and this will be be done through increased taxes. Taxes that will be imposed on all taxpayers, not just the wealthy as politically promoted. Tactics like this lend to the questioning of the motivation behind it. Is it a ploy? Who gains?

This is yet another example of the importance of practicing discernment and having the ability to recognize illusions so the connections and bigger picture may be seen.

The issue of student loan “forgiveness”, like many issues, deals with the circumstances ‘after the fact’. How about addressing the ones ‘before the fact’? How about teaching the concept of ‘choice and responsibility’ holding children/youth accountable for theirs? How about providing guidance to students to help them incorporate their interests and talents towards realistic and lucrative educational options? How about promoting the pursuit of a trade as a realistic and lucrative career path? How about enlightening students to the fact that a good education does not depend on the name of the college/university attended?

As addressed earlier, this approach deals with the result after the fact. Although their approach has been adjudicated as unlawful because they do not have the power to do it, it is still promoted and pushed. What is the motivation? Is there an angle?

The apparent irony is seen when certain issues are selected for “root cause” focus and it is usually issues where the root causes are not a key part of solving the issue. Would the student loan issue benefit from a “root cause” focus? Would the student loan issue be better served preemptively? Is this not a cycle to be broken?

As a teacher and student in life, there is a need to learn and teach the focusing of energy where it can be best utilized. For a lot of issues, this focus needs to be on the common circumstances that occur ‘before the fact’. Is this not how preventative measures are established and then implemented to help solve the issue?