I can testify to the above. I, like many others, have "offsets" on disability, to pay back loans, and the collectioni agencies are fond of being bullies, lying, and refusing to document their actions. I don't see how making life impossible for the disabled is going to save the nation. Never had a credit card, never bought a car, never tried to buy a house or condo, and I'm far more responsible in paying my bills than Congress. Seems to me that if people can't use their education, the banks that made the bad loans, and the educational institutions that took money for degrees that didn't lead to financial solvency are the problem. It's kinda like how SF will have to pay for Larry Ellison's party . .. . let the big spenders who waste the most get off scott free, and those on the bottom taxed until death looks like the best option. How aobut just opening up the Soylent Green Centers already, and encourage those of us who aren't able to contribute to the cancer that is mulitnational corporate greed at least get turned into usable protein?