querty68: That's a really good point about how a discharge becomes taxable income. I got a notice from a credit card issuer that they were notifying the IRS about some consumer debt I owed that they were charging off. I think they are legally forced to report it as such.

I am heartened to hear, as you report, that the government is seeking to provide some relief to those who have incurred heavy debt, financing attendance at scam for-profit schools. That is not a problem I've had, but my sympathies are with anyone who's gotten sucked in to that. I know these "institutions" of higher learning market very aggressively. I looked into getting a master's degree through a for-profit on-line school. They really lay on the "hard sell."