About 45 million students are relying on borrowed money to pay for their college education, each owing an average of about $28,000 in repayment and the default rate is 11.5%. https://studentloans.net/student-loan-debt-statistics/ Bad debt can be bought for an average of 3¢ on the dollar. https://bizfluent.com/how-6967307-buy-debt-pennies-dollar.html If the average loan amount is $28,000 for defaulted loans and they can be bought for 3¢ on the dollar, that means $3,000 can buy $1 million worth of bad debt for about 35 borrowers who can't pay their debt. If the total in default is about $150 billion, 3% would be about $4.5 million. And a smaller amount may comprise hardship cases needing relief. Someone could do as Steven Colbert did and buy that debt and then forgive it. A Go-Fund-Me page or other call for donations could be made and whatever is received could be used to buy bad debt for hardship cases. Just an idea.