I hate student loan forgiveness because to me it’s a fundamental question of values. I believe in hard work, personal responsibility, sacrifice, individualism and even some stoicism. Paying off loans is about getting something for nothing and it rewards the savers and the spendthrifts, the careful planners and the careless, alike. It treats people as members of groups instead of as people with individual circumstances. And nobody who is demanding this will say “thank you” if they get it. For some reason they seem to think it’s owed to them.