I had another Facebook interaction on Saturday, but this one turned out to be positive. At the same time, the entire experience illustrates the mountain we have to climb to get there. It was heartening and disheartening all at the same time. The beginning was simply one of those memes about student loan forgiveness. Just right there we have a triumph of issue framing. In order to be eligible for “loan forgiveness” one has to pay in regularly for at least ten years.

Instead of focusing on hearsay, let’s take a look at actual facts. According to the link, the average monthly payment is 503 dollars. It takes the average person 20 years to repay the loan. My crack math skills tell me that over ten years that ends up being around 61,000 give or take a dollar here or there. The same site said that typically 42 percent of the amount repaid goes to interest.

So, to call it student loan forgiveness is a bit disingenuous to begin with. This is what I lovingly call issue framing. I haven’t even lied yet and you already have a vision in your head of someone paying nothing for an education. The truth is that they pay back on average 61,000 before they are even eligible for the forgiveness. That exceeds the original value of their loan most of the time and we are just looking at the average payment and minimum amount of time to be eligible.

The good news is that the conversation went well. When I started pointing out facts the conversation shifted and became more cordial. I don’t think I converted anyone. The main counterpart still thinks it is better to incentivize big business and is still anti-student loan forgiveness but at least they acknowledged that the “facts” they were going in with weren’t really facts at all.

It took awhile. I had to lay out the groundwork that the federal government gives all kinds of people tax breaks, bailouts, and incentives for various reasons. Then, I had to go through the rules that were put in place to be eligible for the loan forgiveness. From there, I had to combat the notion that students were majoring in lesbian zombie studies or transgender media bias.

This is where things get into the good or bad news territory depending on your perspective. Doing this daily can be exhausting and it is a job that mainstream media is failing at. It isn’t that they are failing as much as they aren’t trying. It makes no sense for them to try. For all of the talk about media bias and a so-called liberal bias, they are ignoring the most obvious bias of all. Everyone wants to make a buck and conflict sells. So, why correct a bad frame when that bad frame gets eyeballs, clicks, and subscriptions?

The 24 hour news cycle and networks could have tackled these things. They could go into more depth on important issues so that their viewers have a more thorough understanding. It isn’t even so much that people would agree more with the idea of loan forgiveness. It would be that they wouldn’t necessarily demonize people because they would see that they have paid back what they originally borrowed and then some.

Again, this can be exhausting. This is one person and one issue. I don’t have the time or energy to tackle all of the issues and all of the people that are basing their opinions on bad information. Some of this is on all of us. I started with a simple question: what is the average loan payment and I was able to find the information in seconds. Information is available if we bother to ask the questions. Critical thinking is critical and nobody has time to do it for you.