education is the key to success, they say a good education cannot be priceless, but unfortunately today's education 'today comes at a huge price. Education turns out to be one of America's biggest problems because most of today's students don't end up pursuing the careers they wanted before college, for reasons that may be primarily linked to financial needs. Most students apply for loans in order to meet their basic needs while they pursue their careers, some don't even have enough and still have to work full time to support themselves and their families. Despite this, institutions have transformed the education system into a commercial enterprise and the rate at which tuition fees are increasing has become unbearable. As a student, I disagree with the author's opinion in the essay Is Forgiving Student Loan Debt a Good Idea by Kayla Webley, she states that forgiving student debt is not not a good idea. Student debt should be canceled primarily because of its unbearable effect on the lives of individuals and families and its effects on society as a whole, giving every individual the opportunity for a fresh start. First, and perhaps most importantly, unemployment is a major problem in our society today. and it is the main cause of loan default. Many want to repay their loans but cannot afford to, they have basic needs to survive, families to support and other ambitions that they cannot even satisfy. By the time they are waiting or looking for a job, their loans pile up and reach a point where they prefer to pay the interest and leave the principal while some cannot even afford to pay at all. So how can we blame these people for not repaying their loans? In general, all Americans work hard just to earn a living. Have a middle of paper ......n be examined, forgiven; there can always be a new beginning for everyone; pre-university students, undergraduates and graduates. The majority of people who suffer from the debt effect are not only new graduates or current students who now have different repayment plans, but also those who have seen their loans accrued with huge interest over a long period of time due to unemployment, low paying jobs, worthless majors and default. All this has repercussions on economic stability. So, perhaps the problem with this ongoing problem is not just what happens to those who have paid off their loans for years or its effects on taxpayers, but also about restoring hope and life to those who are lost. in debt, those who cannot afford to have a simple life, those who have lost their career dreams because of an accumulated loan that they have to repay and fear of loan repayment.