While considering the incredible generosity of billionaire philanthropist Robert F. Smith, who announced during a commencement speech that he'd be creating a program to pay off the student loans for every student in Morehouse College's class of 2019, you should also think about this: according to statistics from the Department of Education, 99% of borrowers have been rejected by a federal student loan forgiveness program designed to spur public service and reduce the nation's mountain of student loan debt.