“… Congress has a few options to deal with this ever-growing problem. … First, lower interest rates for federal student loans. … Second, give companies a tax benefit for providing loan assistance to employees … Third, exempt forgiven federal student loan balances from counting towards borrower's taxable income. … Fourth, refinancing your federal loans through a private company should not bar you from participating in Public Service Loan Forgiveness or income-driven repayment plans. … Last, make it easier to discharge student loans in bankruptcy by defining 'undue hardship.'"