1. United States
2. Utah
3. Letter

Proposing a policy of cancelling student debt for individuals who have been employed and paying taxes for 20 years since graduating college would provide significant financial relief and economic stimulus. With the rising costs of higher education and stagnant wages, many borrowers are struggling under the burden of massive student loan debt. This accumulated debt delays major life milestones like buying a home, starting a family, or saving for retirement. By forgiving loans after 2 decades of consistent employment and tax payments, we can free up disposable income to invigorate consumer spending and relieve debt that often lasts until death. This policy recognizes that graduates have already contributed substantially to society through their careers and tax obligations. It is a fair compromise that still incentivizes loan repayment initially while preventing debt from permanently crippling personal finances and economic growth. For the financial security of Americans and the vitality of our economy, I urge you to consider cancelling remaining student debt after 20 years in the workforce.