It would be violation of one’s right to contract to deny them the ability to reduce their debt burden. Since student loan cannot be cleared through bankruptcy (again, congress’ fault), they should have the opportunity to lower that burden. In fact, I thought this was already voted on and approved during the Obama years.
It would be easier, and vastly more constitutional, if the federal government would stop subsidizing higher education to begin with. Then congress would not have to deal with the unseen affects of their unconstitutional laws to begin with.
If you start with a sound constitutional basis of exercising a power, you would not have hundreds of bills you seem to need to keep passing to clean up previous congress’ problems.