The One Student Debt Fix That Actually Makes Everyone Pay Their Fair Share – No Taxpayer Bailouts Ever Again

I’m done watching plumbers and truck drivers get taxed to pay off gender-studies degrees.

Here’s a plan so simple, so obviously fair, and so politically bulletproof that it could actually pass in 2026:

→ Starting with every new federal student loan taken out in fall 2027 and beyond, the debt gets split three ways:

- The student pays 50 % (they chose the major, they keep skin in the game)

- The college pays 0–40 % (the worse the job outcomes of that specific major, the more the university has to co-sign and cover)

- The employer who hires the graduate can pay the last 0–25 % and get a dollar-for-dollar tax credit (they already pay signing bonuses anyway)

Taxpayers? They pay $0. Not one penny of forgiveness or bailout ever again.

Here’s what the split actually looks like using real Department of Education earnings data:

Result?

- Kids going into useful, in-demand fields will graduate with 70–100 % of their debt paid by the school + employer.

- Universities finally have to care if their graduates can actually get jobs.

- No more $80k sociology degrees that leave the borrower (or the taxpayer) holding the bag.

We’re calling it the “No Taxpayer Bailout Student Loan Accountability Act of 2026.”

It’s already drafted. It’s 8 pages. It has bipartisan co-sponsor bait written all over it.

If you’re as tired of the current scam as I am, share this post, then go tag the members of Congress below on X and tell them to get it introduced next session.

The full bill text, one-pager, and talking points are all here: https://docs.google.com/document/d/1-G3ccfovk5sJNSM7eFcHixspAduCMBoJ9EeH9rBBcdE/edit?usp=drivesdk

Let’s make universities and borrowers feel the pain instead of the working class—for once.