@Lastquagga - It has nothing to do with whether it "works"; it is simply this -- you do not have a right to keep something you contracted to pay for and then didn't. That's the beginning and end of it.

Civilized nations operate on a set of civil rules, one of which is that if you agree to do something and then reneg you don't get to keep the thing. This also prohibits the abuse by those who strategically default, in that many of these professions REQUIRE the degree as a licensing bar (e.g. physicians, pharmacists, PEs, etc.) so while it is certainly true that a once hired as a coder (even once, if you're any good) you'll never care again (myself being a perfect example, and I never had the degree in the first place) the fact remains that there are professions where this is a real barrier and, so long as that's the case, it will impose a serious cost on those who would otherwise attempt a strategic default.

Strategic defaults were WHY bankruptcy discharge was prohibited in the first place. It happened in stages across decades and that's why the law changed. This fixes that.

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