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He could, but without the power of the purse, there’s nothing that could be done to save the economy after a huge blow like that. A lot of banks would go under, and no one in their right mind would ever loan to anyone for education again, given a precedent had now been set that the rug could be pulled out from under them at any time. How’s that going to work for getting people in college? Congress has to be involved because 1) the loans would need to be bought out and 2) congress would have to write up legislation to make public college subsidized for students who want to attend.

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