Whether you think Elizabeth Warren’s and Bernie Sanders’ calls to forgive student loan debt are thoughtful policy solutions or pandering to Millennial voters, there’s no question the senators are speaking to a jarring problem. Americans hold nearly $1.5 trillion in student loan debt, more than they do for credit cards or cars. The average borrower from the Class of 2017 will enter the workforce with $28,650 in loans. It’s little wonder that Millennials are delaying everything from buying a home to having children.

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