After four debates and with a tsunami of political advertising inundating the United States, it is clear that neither presidential candidate is willing to act decisively on what should be the most pressing issue of our day: student loan debt. Democrats offer crumbs. Republicans even can’t be bothered to pander to young voters. Yet no other issue so neatly encapsulates the miseries of contemporary American existence. An entire generation of smart, educated people are being crippled with debt. Without some sort of relief, upward mobility will vanish, the gap between rich and poor will yawn wider, our economy will be left in ruins, and what’s left of our once vaunted ability to innovate will die. The parasite is killing the host.