June 25, 2025: Update. 907 Billion Dollars of College Endowment funds could be used to purchase Student Loan Debt, which would allow students to pay down their debt at either zero percent interest, and zero fees, or, at a very low interest rate of 1.99 percent to cover basic monthly billing fees of the debt.
Lost in the debate between College subsidies and grants, and the Trump Administration; there are Colleges out there with a significant college endowment fund who keep wanting more and more Government subsidies and grants. 
It is time for the vast network of college endowment funds of 907 billion dollars to assist student loan debtors in paying down their student loan debt, either interest free, or a very low interest rate to cover monthly billing fee records and communication.
End of June 25, 2025 Update.

Allowing 100% of a Student Loan or Credit Card payment to be applied to the principle seems the fairest of all solutions for those who want to pay off the debt, but are stuck in a never ending cycle of making payments, but the debt never goes down because of interest rate charges.

Compromise regarding Student Debt, and Credit Card Debt, Can be a Powerful Solution. Forgiving Student Loan and Credit Card Debt can send the wrong message and irk those who paid their debts, but telling people to "get a job", or "get a second job" to pay their debts is flawed if the jobs don't pay enough to pay down a person's existing credit card or student loan debts because of never ending interest rate charges.

Debt Neutrality starts with those who can afford to pay down their debts without taking on any new debt, provided the interest rates, penalties and fees are discontinued on their present debts.

The result could be a cascading affect of economic improvement that requires no government funds of any kind other than possibly providing a modest 2% to 3% return of investment for debt holders.

The release from the financial death grip that debt holders have over many consumers via credit card and student loan debt is actually good for everybody.

What we need is for Congress to grant Debt Neutrality Rights, and then get out of the way!  

Please follow the Debt Neutrality Petition on Facebook, http://www.facebook.com/debtneutrality and http://www.facebook.com/debtsuspensionrights