If I could change one law, it would be about student loans—specifically interest rates.
I had a student loan hanging over me for almost 20 years with an interest rate close to 15%. And what I hate is how the system is built to protect the lender’s leverage, not the borrower’s life.
So my law would be simple:
No student loan company should be allowed to change or manipulate interest rates at their discretion in a way that turns a small loan into a never-ending avalanche. Borrowers should get clear, fixed terms—no surprise hikes, no hidden traps, no “we can change it whenever we want” language buried in fine print.
Because that’s where the abuse lives: not always in the loan itself, but in the rules that allow the powerful side to keep moving the goalposts.
The system is designed so the people with money can play offense.
And the people without money get crushed by the consequences.
Question: What law would you change if you could—and who would it protect?
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