OMG! My student loans have been forgiven!

[usaf-vet]

27. Ok the kick in the teeth is not your work that you did which was covered by the loan forgiveness....

..... it's that it came AFTER YOU PAID OFF YOUR LOANS. Which, If you had dragged out the payments, you might have ended up getting the last $10,000 forgiven. Which might have served as a down payment on a house. Or pay off medical costs. etc.

I have a friend who has always had jobs she chooses to do. She got a four-year degree in outdoor education specializing in special populations. She has worked in that field working with the "special population" classified as adjudicated youth or delinquent students or kids from broken homes and in foster care. She also serves as an EMT in her local community and has held an elected office in that community. She has held her job for more than ten years and has never been delinquent with her student loans, and she works to change the behavior of delinquent students, that have proven to make the job easier for teachers that are overburdened with troubled students.

She has struggled to keep her student loans current and, with the passing of a relative, was left a small inherence which, rather than spending it for a much need and earn vacation or a newer used car to replace the 13-year-old one she drives, she paid off the last of her student loans. Two years too early. She still drives the now 15-year-old car and gets weekends off if she is not on EMT standby for calls.
Her program runs year around and serves over a hundred kids.

Go back and read my example of cellphone companies rewarding new customers while doing nothing for current customers. For instance, offer them a free phone every three years or free minutes with each monthly payment in full.