Great take. I always wondered about the minimum payment option paid through till 10 years. I was under the impression that federal loans are forgiven at that point, and always wanted to dive into it deeper, but never found the time to deal with such an obfuscated issue (because what the heck, there is no way they would forgive them). You raise some valid points, here are some others which were posted about on steemit recently. This does not end well.