It may, it may not. Only time will tell, friend. I know one former student (note: I said former...one who didn't even get their degree yet) who is working right now to pay off their student debt and just enjoying a break from the interest rates. That's it, they're not riding out this freeze hoping their debt gets erased. But, I guess we could just assume all students who have student debt are moochers, right?If a "freeze" increases the amount of delinquent loans, which seems to me it would,,,,,,,and/or creates more defaults...........then my friend it's going to affect all of us