They had nearly 8 years to work on their version, That means they had 10 years. When I realized that we are too far in debt, I didn't wait until I had enough money to fix it all to start putting together a plan and starting to work towards getting it fixed. Democrats also did not change college tuition, though it is the Governments fault that they are having to back so many trillions in student loan debt. If they would not lend nearly unlimited funds for schools, people would have to make better choices and go to more affordable schools. But heck, if the Government makes it more "Affordable" (truly they make college more accessible, but much less affordable) through giving student loans and student aid etc., then why not go to that more expensive school? That is a problem and should be shut down immediately. Limit lending for Bachelors degrees to whatever public colleges in the state average, or even the most expensive public college, and force private to compete or lose their students. The same is happening with housing, stop lending unlimited funds and housing prices will slow down their growth.