@NotVerySmart I am glad you advocate stealing another $2 from every taxpayer on top of ridiculously high taxes already in NY. I had to sell my house when property taxes hit $30k in 2004, they are now over $45k on same house. People like yourselves never think about the people you are taking from, only the feel good on who is receiving. You take out a loan, YOU repay it or the lender takes the hit. Period. It is not now everyone else’s problem. Are you not blind to see that programs like this are designed to bail out the banks, not the students? Same with these loan programs for homes. Look up the term moral hazard. A person advocating theft by the state under the guise of “democracy” is a thief themselves. Sugarcoat it any way you want, it is what it is.