
Inside Higher Ed
has an article about why so many governement student loan borrowers who could benefit from the income-based repayment (IBR) program don't apply for it—the two main reasons being that many people don't know that the program exists, or if they do, they find the process of applying for the program too complex.

Whenever someone writes a new, big feature on student loan debt, I'm all over it. The cost of going to college is
getting out of control, and having an on-going discussion about how to fix it is a good thing.

Student loans come into your life so easily—just sign on the dotted line, and you’ve got money. And then you graduate, and have to get a job so you can pay back the money you borrowed and spent for the past two or 11 years. How do people do it? And why didn’t I know?

Allow financially distressed student loan borrowers a way to find relief.