Under the current regime, the most effective means of sticking it to the proverbial man would in theory be for all students to simply pay off all their debts at once. But even if they could scrounge together a trillion dollars out of their collective couches just like that, there is little doubt in my mind that Sallie Mae and its student-loan-sharking brethren would simply see it as an opportunity to levy a massive prepayment penalty. The Internet is a rich trove of surreal personal accounts of being penalized for overpaying student loan bills. But no one notices, because student borrowers are so utterly powerless. They can borrow a trillion dollars and still pose no threat to the immediate solvency of the financial system.