Also take into account those that didn't go to college and their place on the income distribution. What are they getting?

To sum up, people with the most debt tend to be more highly educated (i.e. graduate and professional degrees), have higher incomes, and have the ability to repay. So let's give them the most money.

Sprinkle everyone else with some crumbs (or nothing at all).

Sounds like the Trump tax cuts, student loan edition