HOW STUDENT LOAN DEBT FORGIVENESS WORKS; WHAT? WHY? YOU OWE ME $100; I LENT JOHNNY $10000 AND HE CAN'T PAY ME; SO? SO NOW I NEED $100 FROM 100 PEOPLE TO COVER HIS DEBT; I'M NOT PAYING; GIVE ME YOUR FAIR SHARE OF HIS DEBT OR ARMED THUGS WILL BREAK INTO YOUR HOME AND TAKE EVERYTHING YOU OWN; CAN YOU TAKE A CHECK?