Imagine what happens with defaults in 2024...
https://www.cnbc.com/2023/06/20/its-official-student-loan-payments-will-restart-in-october.html
https://www.forbes.com/sites/adamminsky/2023/06/20/30-million-borrowers-may-face-new-problems-as-student-loan-pause-ends/?sh=579bb6801d7c