which new york times article spoonfed you all of that jargon?
"if they have to repay their college loans"
you do know that the college system has this corrupt system that benefits themselves more than others, right? while receiving government subsidies, they also force loads of money from young people. once one person graduates college and attempts to get a high-paying job, he/she can't get one because it's been handed to some boomer who only had to pay tuition that was 90% cheaper. plus, in order to keep the fact that college is expensive hidden from boomers, colleges are still offering low prices for boomers who want to re-attend.
https://patch.com/minnesota/southwestminneapolis/u-m-gives-boomers-college-credit-10-millennials-outraged