I could not agree more. This place and many like it are really just for laughs. The intenet in this form is a vast waste land of anonymous egos and internet muscles.
Why would you want to short debt that can't be discharged in bankruptcy proceedings? Student loan debt follows the debtor for LIFE, no matter what. It's one of the many benefits lenders received via the manna-from-heaven renegotiated bankrupty statute. FMD is a buy, baby.
Depends on the time the loan was taken out and the covenants regarding readjustment. Most student loans readjust periodically, and typically move in lockstep with overall prime/libor.