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In a state never seeming to lack for dumb legislative ideas, this one might just take the cake. Student loans, or any loans, are contractual agreements between a willing borrower and willing lender. Barring fraud or other misrepresentation, there is really no role for government here. None. As in any endeavor in which the government inserts itself, the quality of higher education has deteriorated badly over the years while costs have risen exponentially. If Rep, Shanley was truly interested in "...starting a conversation" about incenting young people to remain in RI, or return to it, he would aggressively address RI's confiscatory tax structure while simultaneously eliminating a myriad of crippling regulations. I won't hold my breath. Presently, RI is seen as a Handout Haven. Shanley's proposal does little but confirm that perception,