The cost of the loan forgiveness programs exploded, in part, because policymakers did not correctly estimate the number of students who would take advantage of such programs, according to higher education scholar Jason Delisle. Now there’s an emerging consensus that some programs should be reined in, but ideas on how much and in what ways vary by party affiliation. Senate Democrats just introduced a college affordability bill that focuses on creating “debt-free” college plans by giving federal matching funds to states that, in turn, would figure out ways to help students pay for school. In the past, President Barack Obama acknowledged the need to require borrowers to repay more of their debts and made some proposals for modifying the programs’ rules. The GOP goes much further in its suggestions: A new proposal from House Republicans would eliminate some loan-forgiveness programs entirely.