Commentary It’s an election year, and that means two things. More volatility in the stock market … and more giveaway promises from politicians. A recent headline in The Wall Street Journal mentioned President Joe Biden’s promise to forgive student debt had stalled. I’d expect that discussion to regain some legs going into the coming election. “We need to pass the forgiveness, so you need to get to the polls.” But beyond loan forgiveness and fishing for votes there’s little the government has even thought about doing to address the problem of student debt. As far as they may be concerned (I really can’t understand how they think) it may not even be a problem. But when has a lack of a problem ever stopped them? Here’s how the whole mess started: In 1990 Congress started factoring loan repayments into their student loan budgeting process, assuming loan repayment with interest made …