The Daughter Who Got the Government to Cancel Her Mother’s Debt

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The Daughter Who Got the Government to Cancel Her Mother’s Debt
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“I am going to get my mother’s loans forgiven,” read the email that landed in my inbox 10 months ago. “So if by May, 2023, when I turn 28, you need a success story, feel free to reach out.” The daughter who got the government to cancel her mother’s debt:

An undated photo via Arianna Miskin of herself at her college graduation with her mother Susan.

I admired Arianna Miskin’s brashness. I was moved by her quest. And I was not at all sure that she would be able to pull it off.Susan Miskin first started borrowing in the late 1980s to attend community college and take classes at two colleges in the City University of New York system to get her bachelor’s degree.

In the midst of all of this, Miskin made some choices that came back to haunt her. An employee at one of the four entities that had serviced her loans suggested consolidating her debt so she could make just one payment each month. This can be good advice for many people, depending on the circumstances. But postpartum and sleep-deprived, she said yes without asking enough questions. Her interest rate spiked as a result.

Debtors should repay the debts that they willingly take on under most circumstances. But it was voters who put President George W. Bush in office to sign the bill in 2007 that brought the PSLF program to life. Similar loan cancellation programs are also common at the state level, red, blue or purple. Encouraging people to go into teaching or other work serving the needy or the nation is mainstream, common-sense public policy.

Arianna Miskin went to work. She spent hours on hold with the four servicers who had managed her mother’s loans. Often, they’d refer Arianna Miskin back and forth in dizzying circles when she tried to track down payment records from 10 or more years ago. Gatekeepers wanted her to use fax numbers to send proof of eligibility. The fax numbers didn’t work.

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