B6 · Pillar B · Spending Efficiency
Higher-education subsidy restructuring
Restructure federal student-loan and higher-education subsidies to address institutional cost inflation while preserving access: outcome-based accountability, simplified income-driven repayment, modified Public Service Loan Forgiveness, and federal-state community-college coordination.
- 10-year fiscal
- −$200BSavings
- Implementation
- Years 1–5
- Middle class
- Variable
- Planetary
- Neutral
$100B–$300B · Medium confidence
IDR expansion helps high debt-to-income borrowers; accountability may adjust some institutions.
No material climate effect.
Global precedent
Australia’s HECS-HELP income-contingent loans (since 1989). England’s post-2012 tuition and loan reforms are an additional, mixed reference point.
Lead mechanism
Department of Education; Senate HELP; House Education and Workforce.
Bipartisan framing
Conservative case
Institutional accountability and outcome-based metrics for federally subsidized education.
Progressive case
Reduced student-debt burden and expanded access.
Figures in this framework are illustrative directional estimates derived from publicly available data and conventional Congressional Budget Office budget-window logic. They are not official CBO scores. Any provision adopted from this framework would require formal CBO scoring before legislative consideration. This document is a policy white paper, not an introduced bill.