Out of college I primarily had student debt of around $22k at 4% interest(all the government loans).

Unless you believe that our government should and will provide free education for all.Give to charities.

You should target states that have more common sense and people oriented government and regulations (hint-hint: stay AWAY from Dem controlled jurisdictions.

I had to write 18 checks and fill out 18 single page forms (local government efficiency at its finest) yesterday to catch up. 

I would say our government’s a little more friendly and hands off but the Californians a certainly changing that. 

And having the press and the government promoting forbearance like its a constitutional right really throws a wrench into the works.

Some landlords report that it regularly takes around six months to start receiving direct deposits from the government.

Unless you believe that our government should and will provide free education for all.Give to charities.

Why would the government waste our tax dollars paying higher rents than the market?

All require the "lender" to be licensed in the state, for borrower to have no mortgage lates or hiccups, have different rules and change the rules whenever their investors (not government MBS these are big guns investment firms with pulse of the location where your property sits) see clouds in the sky.