An education has to be viewed as a right of all people otherwise the US will keep falling behind in the world today. Education should not mean only colleges or universities, but vocational and technical schools as well. Not need to be provided at no charge to our young people in order to keep pace with the rest of the world. Yes, restructuring of debt for student loans must be included because those people that have high student loan debt, may never get it paid off and may ultimately become a burden on our welfare system. I believe half of all student loan debt should be forgiven as a part of this transition to a free education system for all. The holders of the remaining debt must be allowed to refinance to a lower interest rate to assist them in elimination of this debt so they can end up being a contributing member of society rather that potentially creating a drag on our welfare system. If we allow the combination of free education in a university or vocational and technical institution and an elimination of half the existing educational debt and a refinancing of remaining debt at much lower interest rates, in the long run, we will be reducing reliance on our welfare system!