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@moth
horatio, i think you're focusing too much on the optionality element of tynan's argument. I think difference between the repayment terms of a new student loan and the hypothetical '18k NOW!!!' tax is more significant.
There is an argument to be had about the social implications something labelled an 18k loan, and the differing attitudes to debt in different parts of society, but that doesn't seem to be the argument you are making.