Obama-era take-over of the student loans business
I am sorry but one of the problems I have experienced personally was the deregulation of the student loan markets in 2005. By reducing the requirements of investors and insuring payoff to investors, it opened up the flood gaits for private investments to student loans.
The "Obama-era take-over" or the special loan consolidation of federal student loans was in response to the growing percent of defaulted loans and the total student loan debt. It wasn't a take over. It was a consolidation at low interest rates (not guaranteed mind you because congress later raised those rates). Funny thing is, the government still made money off those loan consolidations. It helped immensely for those that could do it. The absolute sad part about it though was the argument against it was that the investors wouldn't make enough money back. God forbid you don't get your double digit returns in your stock options.
Sure students hold some responsibility to the student loan problem but there is as much shit to go around to the colleges, governments, and private interests that have muddied the water.
But for you, the Apocalypse started when Obama was elected in 08. No need to critically think about anything because Obama dun did it and Obama hates Murica.
Seriously, fuck you.
While it is true that the original scope of the intelligence community were not to enforce the law, that role is increasingly becoming part of their previously secret budget. Or that budget just increases with the collaboration between the different alphabet soup agencies. A microscopic gap indeed. That gap is non-existent to foreigners especially if you are in certain regions of Pakistan and Yemen under a CIA drone.