Student loan defaults have surged to 9.2 million borrowers, representing roughly one in every five people with student debt. What is astonishing is the speed of the deterioration. There were approximately 6 million borrowers in default last August. That figure jumped to 7.7 million by December. By April it had reached 9.2 million. Another 3 million borrowers are reportedly at least 90 days delinquent and appear headed in the same direction.
The government suspended reality for years through payment pauses, forbearance programs, and emergency measures that temporarily masked the problem. Now collections have resumed. Wage garnishment is returning and borrowers are once again being confronted with debts that never disappeared. Politicians celebrated the pause as though the crisis had been solved. All they really did was postpone the reckoning.
What nobody wants to admit is that the student loan system became fundamentally broken the moment the federal government guaranteed virtually unlimited lending. Once colleges realized that students could borrow almost any amount with government backing, tuition exploded. Universities had no incentive to control costs. They built lavish facilities, expanded administrations, hired armies of bureaucrats, and continuously raised tuition. Students were told that any debt was acceptable because a degree would guarantee future prosperity. The numbers tell a different story.
Tuition costs have risen by hundreds of percentage points over the past several decades, vastly outpacing inflation and wage growth. Yet many graduates entered labor markets where earnings never remotely matched the debt burden they accumulated. Entire generations were encouraged to believe that college was the only path to success. Many emerged with degrees carrying little market value but very real financial obligations.
Borrowers are returning to repayment obligations while facing some of the highest living costs in decades. Housing costs remain elevated. Insurance premiums continue rising. Food prices have increased substantially. Many young Americans are already delaying homeownership, marriage, and family formation. Now millions face renewed collection efforts and potential wage garnishment on top of those challenges. The economic pressure is becoming overwhelming.
The roots of this disaster go back decades to the Clinton Administration. In 1998, Congress made federally guaranteed student loans virtually impossible to discharge in bankruptcy, and in 2005 that protection was extended to most private student loans as well except under the nearly impossible “undue hardship” standard. At the same time, Washington dismantled the old restraints that once separated commercial banking from investment banking by repealing Glass-Steagall through the Gramm-Leach-Bliley Act, signed by Bill Clinton in 1999. Wall Street suddenly had access to an endless stream of federally protected student debt that could be packaged, securitized, and sold to investors while taxpayers ultimately carried much of the risk. This was no longer simply about helping students attend college. Education had become another financial product. Banks could lend aggressively because the debt was uniquely protected, universities could raise tuition knowing the money would always be available, and students were left holding obligations they could rarely escape even through bankruptcy. Washington socialized the risk while privatizing the profits, creating precisely the type of moral hazard that has repeatedly produced financial crises throughout history.
From a broader perspective, this is another symptom of the debt-based model that has infected virtually every aspect of society. Governments encouraged borrowing to finance education, homes, consumption, and economic growth. Debt became the solution to every problem. Eventually the bills come due. Student loans are particularly dangerous because they directly impact younger generations who are supposed to form households, buy homes, start businesses, and drive future economic growth. Instead, many are trapped servicing debts accumulated years earlier.
This is why I continue to stress that confidence is the real issue. The student loan crisis is not merely about missed payments. It reflects a growing realization that many of the promises made to younger generations were never realistic. They were told education guaranteed prosperity. They were told debt was an investment. They were told the economy would provide opportunities sufficient to justify the cost. Millions are now discovering otherwise. That loss of confidence has consequences far beyond student loans. It affects housing, family formation, consumer spending, and ultimately the broader economy itself.
Governments never seize freedom all at once. They chip away at it piece by piece, each new program marketed as a way to save taxpayers money or improve efficiency. The latest example comes from Cape Coral, Florida, where city officials are considering equipping sanitation trucks with AI-powered cameras to scan neighborhoods for potential code violations as they make their normal garbage collection routes. Officials insist the technology is simply another tool that could reduce costs and help the city’s 31 code enforcement officers identify violations more efficiently. That is always how surveillance begins, with promises of convenience rather than control.
The city manager argued that artificial intelligence could perform the same work as additional code officers while saving taxpayer dollars. Residents, however, immediately raised the questions governments rarely answer. Who controls the data? How long is it stored? Who has access to it? Could it later be used for purposes never originally disclosed? Those are legitimate concerns because history demonstrates that once governments collect information, they rarely surrender the ability to collect even more. Every database eventually finds a new purpose.
I have warned repeatedly that society is drifting toward a surveillance state where governments monitor virtually every aspect of daily life. License plate readers were introduced to catch criminals. Smart utility meters were sold as a way to improve energy efficiency. CCTV cameras appeared for public safety. Smartphones track our movements, financial transactions leave permanent digital records, and now artificial intelligence is being proposed to examine residential neighborhoods automatically. Every individual system may appear harmless in isolation. Combined together, they create a government that knows where you travel, what you purchase, where you live, and now potentially the condition of your property every single week.
This is the same progression we have watched unfold across the world. Artificial intelligence is no longer confined to helping businesses improve productivity. Governments increasingly see it as a force multiplier that allows fewer employees to monitor far more citizens. Bureaucracies always seek greater efficiency, but efficiency without limits inevitably comes at the expense of liberty. Once an AI system is installed on every sanitation truck, what prevents the next software update from identifying unregistered vehicles, unauthorized construction, political signs, or anything else officials decide they want to monitor? Every man, woman, and child will be tracked in real-time, as governments eagerly watch for a misstep.
The greatest danger is not the camera itself. It is the normalization of constant observation. Children growing up under these systems will eventually believe it is perfectly ordinary for government cameras to document neighborhoods every day. Future generations may never question whether privacy was once considered a fundamental right rather than an obstacle to administrative efficiency. Governments rarely surrender powers voluntarily. Every emergency, every budget crisis, and every technological advancement becomes another justification for expanding their reach.
This proposal may save Cape Coral some money in the short term. That is not the question citizens should be asking. The real question is what kind of society we are building. Throughout history, governments have consistently expanded surveillance first and established meaningful safeguards later, if ever. Technology itself is neither good nor evil. The danger lies in believing that governments, once given new powers to observe their citizens, will somehow choose not to use them. History says otherwise.
I cannot express how dirty things have gotten in DC over the years. The Biden/Hunter Ukraine scam was blocked from investigation when Ukraine is known as the MOST corrupt nation-state in the world.
Ukraine remains the most corrupt government in the world, and they are selling the Ukrainian people for personal wealth and greed with ZERO remorse for their nation or their people. Ukrainian politicians topped all other countries for corruption. Even in the Pandora Papers, 38 Ukrainian politicians have to hide cash offshore – the largest number of corrupt politicians in any other country. Zelenskyy’s office tried to justify his use of offshore companies for himself as protecting him against pro-Russian forces, following leaked revelations in the Pandora Papers.
Hillary Clinton‘s own right-hand woman, Human Abedin and alleged lover, had revealed under oath in a deposition that the would-be president refused others access to her emails and lied to congress about Benghazi. That I had heared from sources that the Benghazi incident was a Neocon operation filtering in arms to overthrow both Libya and Syria.
The region has been flooded with weapons supplied to rebels initially in Libya that have flowed to Syria, Mali, and even back to the streets in the USA. Nothing but nothing is what it appears. There is way too much bullshit for we are far beyond a shovel – we now need full blown mining equipment to get to the truth about anything.
John Christopher Stevens (1960–September 12, 2012) was the American diplomat and lawyer who served as the U.S. Ambassador to Libya from June 2012 until his murder on September 12, 2012. The entire Benghazi incident is far deeper than most people would ever dream. True, the Obama administration is covering up the incident as 22 CIA agents were present at the time.
One source has reported that the CIA has been subjecting operatives working in Libya to frequent polygraph tests to make sure they are not leaking information about Benghazi. Why? What is lurking in the shadows? The real reasons why and the connection to Syria today are discussed behind-the-curtain – not in the open.
Clinton’s long-time aide and rumored lover said in a shocking deposition that the presidential candidate never asked permission to use her private email for government business. Another major revelation from the testimony transcript, released on Wednesday, was that Clinton demanded that the private emails she mixed with State Department emails not be accessible to “anybody,” AP reported. Abedin testified that she did not know if Clinton had personally deleted emails while secretary of state, but said she assumed it was acceptable to use an email on Clinton’s server for government business.
Hillary refused to answer any questions about this Neocon operation that led to the Benghazi incident. The entire Russia Gate affair was where Hillary blamed Putin claiming he interfered in the 2016 election, which was also a fraud. Hillary stated that Russian President Vladimir Putin directed the cyberattacks because he had a “personal beef” with her. She claimed this grudge back to 2011 when, as Secretary of State, she publicly criticized Russia’s parliamentary elections as fraudulent. She framed this personal vendetta as part of a larger Russian strategy to undermine American democracy and the integrity of the U.S. electoral system.
But the real reson was the Neocon attempt to rig the Russian election of 2000 by blackmailing President Yeltsin in their attempt to take over Russia installing their favorite son, the oligarch Boris Berezovsky. I was asked to put in $10 billion into Hermitage Capital Management operated by Edmond Safra and Bill Browder and I would get $100 billion back because installing Berezovsky, all Russian commodities would then trade through the NY dealing desk. I refused. Yeltsin turned to Putin installed him and his last words to Putin were “protect Russia.”
The Ukraine war has been instigated by the Neocons in their endless hatred of Russians. Hillary was fined over the fake Steele dossier, which was a key part of the “Russiagate” allegations to influence the 2016 election against Trump. Hillary Clinton’s 2016 presidential campaign was fined by the Federal Election Commission (FEC) for a mere $8,000, which was a joke. It is worth noting that the $8,000 fine represents a “double standard” compared to other cases involving falsified business records or election-related actions, pointing out that the purpose of the dossier was to influence the 2016 election. This perspective frames the action as a form of election interference that would be criminal for anyone else.
Arthur Andersen was criminally charged and initially convicted for its role in the Enron scandal, although the conviction was later overturned by the U.S. Supreme Court. Nevertheless, in March 2002, Arthur Andersen was indicted by a federal grand jury on a single count of obstruction of justice claiming they destroyed documents the same as Hillary did with her emails, which showed all of these Neocon operations. The law is applied to us, but never to those in power.
Hillary was alleged to be behind the US/Neocon funded attempt to conquer the Middle East. The very rebels and the whole Benghazi Affair was a Neocon operation to overthrow Syria, Libya, and Iraq with the long-term goal of conquering seven (7) Middle East countries. Even General Wesley Clark was told the same plans I was told years before.
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General Clark directly blamed this strategy on the Neocon “policy coup” executed by prominent figures in the George W. Bush administration. He named Vice President Dick Cheney, Secretary of Defense Donald Rumsfeld, and Deputy Secretary of Defense Paul Wolfowitz as key architects.
In a 2007 speech and interviews, Clark detailed the list of countries, saying:
“We’re going to take out seven countries in five years, starting with Iraq, and then Syria, Lebanon, Libya, Somalia, Sudan and, finishing off, Iran.”
Many have linked this alleged Neocon/Pentagon strategy to a 1996 policy paper called “A Clean Break,” written for the Israeli government by American Neocon. This paper advocated for the removal of Saddam Hussein and the containment of Syria and Iran. Sources had revealed to me that the assumption was that Iraq would fall in just weeks and they would then invade Iran and take out the Ayatollah.
General Clark recounted that he also learned of this strategy during a visit to the Pentagon shortly after the 9/11 attacks. An officer there showed him a memo from the Office of the Secretary of Defense outlining the plan. Clark stated he did not read the memo because it was classified. He also connected this plan to a conversation he had with Paul Wolfowitz in 1991 after the Gulf War, where Wolfowitz argued that the United States could now use its military freely in the Middle East because the Soviet Union’s collapse meant “the Soviets won’t stop us“.
All we need to look at is the subsequent U.S. military actions in Iraq, Libya, and Somalia, as well as the destabilization in Syria and Lebanon, as evidence that this plan was at least partially executed. The Neocons, who control the press especially through the Institute for the Study of War which was founded by Victoria Nulan’s sister-in-law Kimberly Kagan . She serves as the organization’s president and is a prominent military historian. Each new intervention is claimed to have its own justification, but collectively they followed the path of what I was told and what General Clark described.
During an interview with CNN’s Wolf Blitzer appears to have protected the Neocons claiming it wasn’t a plan but more of a concept. Weather it was a strategy, crafted by influential Neocons, to use the post-9/11 environment to topple seven Middle Eastern governments, was simply convenient. I have stated definitively, that the first World Trade Center terrorists drew the Twin Towers on the wall of their cell in the Metropolitan Correctional Center (MCC) showing two planes flying into them. It was Mr. Kumb, the MCC recreation direction, who gave them the drawing materials and would openly talk about how they drew the Twin Towers on the wall of their cell. Of course, they scrubbed and reference to this because it confirmed that they knew the attack would take place.
The lawyer Lynne Stewart was prosecuted and convicted for handing notes and messages to a terrorist client. However, the specific charge was not simply “handing notes” to the terrorists, she was prosecuted for providing material support to a terrorist organization by acting as a conduit for messages from her client. She was sentenced to 10 years in prison and died in 2017.
Dick Cheney repeatedly emphasized an association between Saddam’s regime and al-Qaeda. For instance, he framed the success in Iraq as a blow to the “geographic base of the terrorists who have had us under assault for many years, but most especially on 9-11.” He deliberately pushed the fake news of Weapons of Mass Destruction (WMD) soon after taking the position of Vice President Dick Cheney in 2001. He made that famous speech to start the war on August 26, 2002 at the Veterans of Foreign Wars (VFW) National Convention in Nashville, Tennessee. Well Russia, China, Israel, France, India, Pakistan, and North Korea have nukes. Why not invade them as well?
He cited unsubstantiated evidence to support this Neocon agenda. Cheney referenced an alleged meeting in Prague between lead 9/11 hijacker Mohammed Atta and an Iraqi intelligence officer, calling it “pretty well confirmed.” This claim was later discredited by the CIA and the 9/11 Commission, which found no evidence of collaboration between Saddam and al-Qaeda on attacks against the USA.
It was Cheny who used 9/11 to create a misleading impression for the justification of invading Iraq. Netanyahu was part of that agenda testifying before Congress that Iraq had a nuclear program with weapons of mass destruction. When asked about a poll showing nearly 70% of Americans believed Saddam was personally involved in 9/11, Cheney said, “It’s not surprising that people make that connection.” Cheney ruthlessly employed his rhetoric, combined with administration claims about al-Qaeda ties, to imply a connection to justify the war. This was the very agenda I was told about to secure the safety for Israel.
Worse still, in February 2001, early in George W. Bush’s presidency, Secretary Colin Powell said in Cairo that Iraq had not developed “any significant capacity” in WMD and was unable to threaten its neighbors. This shows the administration’s public position evolved significantly after the 9/11 attacks. Colin Powell and Dick Cheney, developed a history of intense friction and disagreement between the two over the Iraq War. Cheney deliberately exploited Powell as someone whose credibility he used to sell a case to the UN to justify Cheney’s war to conquer the Middle East, and who later expressed deep regret over his role in that presentation.
Public statements made by Dick Cheney prior to the 2003 Iraq War indicate he asserted that Iraq possessed weapons of mass destruction. The Bush administration later was forced to acknowledge those assessments were incorrect.
They are lying about the Ukraine War. They keep claiming Ukraine is winning and about to destroy Russia. Ukrainian official have eben come out and claimed that Moscow will fall. If Russia is on the edge and is about to collapse, they willo push the button. Every military source I have ever spoke to said that they would push the button if the USA was about to fall. They can be as corrupt as ever and look to line the pockets of their entire family, but have lost sight of what they are cheering for.
Dr Anthony Fauci the White House Chief Medical Advisor during the SARS-CoV-2 outbreak under Biden, and head of the National Institute of Allergy and Infectious Diseases from 1984 to 2022, has been subpoenaed to testify before the Senate Homeland Security and Governmental Affairs Committee this Wednesday, July 29, about his role and activity during the outbreak.
Senator Rand Paul has long argued that Dr Fauci misled the nation, and indeed the entire world, on the origin of the COVID-19 outbreak, and attempted to coverup the man-made components to the SARS-CoV-2 that created massive medical, social and economic turmoil.
Anticipating the testimony, Senator Rand Paul has released a massive dataset of records from Anthony Fauci that includes a personal diary written by Fauci during the timeframe in question. [FAUCI FILES HERE] The personal notes and records of Fauci indicate a serious intention to control all elements of what took place during the COVID-19 outbreak; painting himself in somewhat of a god-like position and arbiter of all covid truth.
The records released by Senator Paul are exhaustive and paint a disturbing picture of a medical bureaucracy who believed they were more important than any elected official. Dr Fauci led that bureaucracy with visions of grandeur and an ego fed by a compliant media apparatus who consistently portrayed Fauci as the guardian of all medical truth.
The exact opposite of that altruistic narrative comes through in the details within the FAUCI FILES. “Fauci’s personal diary reveals that as early as January 31, 2020, he was told by top virologists that the virus’s furin cleavage site raised real doubts about a natural origin, with about half the scientists on that initial call believing it looked “constructed.” Despite this early private uncertainty, Fauci spent the following years publicly and confidently dismissing the lab leak theory while insisting the science was settled. The diary also documents his private frustration and defensiveness over gain-of-function funding questions tied to EcoHealth Alliance and the Wuhan Institute of Virology — even as he told Congress under oath that no such research had occurred.” ~ Rand Paul
It appears that Rand Paul gained much of the information for his release from ODNI documents previously, discovered, researched and released to congress by DNI Tulsi Gabbard. It also seems like Acting DNI Bill Pulte continued to declassify and release the files.
President Trump realized on April 23, 2020, that he had been misled by the small group within the medical bureaucracy. Dr Fauci noted in his diary….
“[we] will be loved by the people we care about“… Who exactly was that?
The scale of the fraud orchestrated by Anthony Fauci is jaw-dropping. All those so-called scientists, perched up high in their ivory towers, flapping their mouths to lecture and mock anyone who dared have an opinion on that massive gain-of-function experiment they unleashed. They were not doing science at all; they were stroking their own egos the entire time.
The hearing on Wednesday is likely to be very explosive; however, in accordance with the strategy of Democrats and Communists in both the House and Senate, there is a distinct possibility they may not attend the hearing in an effort to diminish the sunlight.
President Trump gives impromptu remarks to the media traveling from Washington, DC to Michigan. The press pool asks numerous questions about the Iran conflict, Israel, Saudi Arabia.
President Trump was also asked about his relationship with John Thune and the objective to get the SAVE America Act passed in the Senate. WATCH:
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Drawing attention to the importance of the U.S. auto industry, President Trump takes a trip to the GM proving ground in Milford, Michigan to deliver remarks and view a drag race and vehicle demonstration.
Livestream Links of the Event Below:
UPDATE: Video Added
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Watching carefully what Volodymyr Zelenskyy says, with an overlay of his contacts and travel itinerary, it appears the next phase in Ukraine weapon production will be to build missile and long-range drones outside Ukraine. That is to say outside the reach of proactive Russian attack.
Zelenskyy travelled to Portsmouth, U.K., today for a meeting with newly installed Prime Minister Andy Burnham. Instead of meeting in London, the two met at a military base in Portsmouth, where 200 Ukrainian soldiers are currently completing maritime exercises.
In an interview with Sky News just before departing for the meeting, Zelenskyy noted the intention to use U.K. factories.
In mentioning a joint U.K-Ukraine “drone deal,” Zelenskyy noted [15:32 video] “I want to build a big factory in Britain, while offering new technologies and sharing with our partners.“
¹I don’t think Zelenskyy was supposed to say that out loud.
Zelenskyy noted the challenges for the U.K effort to support him essentially boils down to “money, intelligence and technology.”
With the EU providing Zelenskyy with funds from the seized Russian sovereign fund; essentially loans with no payback provisions as forfeiture of the fund is intended to be wrapped into any peace negotiation with Russia; Zelenskyy is positioning Ukraine to spend the EU (Russian) funds in the U.K to manufacture authorized Patriot Missiles, U.K Storm Shadow missiles and drones to expand the conflict with Russia.
One thing is abundantly clear from the action over the past few weeks, Ukraine and EU/NATO are fully intending to expand the conflict with Russia and, if possible, pull the Iran conflict into the European dynamic. That’s why Ukraine attacked the Iranian vessels recently.
LISTEN/watch CAREFULLY
¹You may need to use a VPN to watch this interview as the content was suddenly limited after it was on YouTube for a few hours. I suspect the note I made above is directly related to this content control.
Posted in Big Government, Conspiracy ?, Death Threats, Decepticons, Deep State, European Union, media bias, NATO, Russia, Ukraine, Uncategorized, United Kingdom (UK) and Great Britain, USA
July 27, 2026 | Sundance | 62 Comments
Apparently, Joe Biden revealed massive amounts of classified intelligence during a series of roughly three hours of recording done for his ghostwriter and biographer. The recordings are dated from November 2016 to April 2017.
The Oversight Project filed a lawsuit to gain the audio files and has uploaded them to YouTube. They are in reverse chronological order. The gaps in the audio are redactions due to classified information. LISTEN:
Several years ago, CTH was outlining the unrealized power of the office; we even went further and explained in detail what changes that office could make to rein in the larger Intelligence Community, including the CIA, and not a single person in DC was ever concerned about ODNI staffing level. Suddenly Gabbard started making changes, big changes, like removing the National Intelligence Council from the CIA and simultaneously the DC system started shouting about reducing the office. It’s a little, well, ironic I guess, in a DC way.
Today, Acting DNI Bill Pulte notes another round of staff removals:
[SOURCE]
WASHINGTON DC – […] Pulte’s announcement of a 30 percent cut, depending on the baseline for when the dismissals started, could amount to the elimination of more than 300 staff at the ODNI, which is charged with coordinating intelligence collected by the other 17 members of the U.S. spy community and overseeing their budgets. It comes the same day the Senate is expected to vote on his full-time replacement, current top Manhattan federal prosecutor Jay Clayton, as the next head of the ODNI.
[…] Though the precise size of ODNI is classified, Tulsi Gabbard said she slashed ODNI’s size by roughly 40 percent percent before resigning in June, leaving the office at around 1,300 personnel.
Trump quickly signaled he wanted Pulte to go further. When the president tapped Pulte to helm the office last month, he defended the pick by saying that Pulte would be “less shackled” to make cuts because he was only there part time.
Pulte considered sweeping cuts at the National Counterterrorism Center soon after taking over, but backed off the plan, instead firing a handful of Gabbard holdovers and reassigning roughly 50 career staff from the ODNI’s intelligence analysis hub. He’s since announced a series of cuts on his social media account, though the Trump administration has shared no detail publicly on the scope or justifications of any of those alleged reductions. (read more)
Posted originally on CTH on July 28, 2026 | Sundane
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