As the government "cracked down", they also cracked down on citizens by changing bankruptcy law. One of Liz Warren's first priorities when running for presdent was to reinstate the original law. With all of the hype about student loans, nobody talks about the sensible solution: letting them file chapter 7 and include all credit. The reason it isn't considered is because the banks control government, not the other way around. So much for democracy and representation. One dollar, one vote; and it always votes for a bigger pile of dollars.