However, critics are asking, "What about all those folks who've paid off their debt already, or who didn't take on any debt to begin with?" There's also the premise of students with high-paying degrees, who'll make a fortune later, being able to exploit this new system now. Prez Biden addressed that Wednesday, and essentially it seems to boil down to, tough luck. His Secretary of Education elaborates a bit, though, telling us he understands the concern ... but that this move is going to help more people in need than those who really aren't.