Over the next decade, federal student loan debt will net $185 billion in gain from students and their families as they struggle to pay off their college debt. If earnings hold steady through 2023, the government’s student loan program will make Fortune magazine’s annual list of the world’s 500 largest companies among the top 20. With this summer’s rate increase, profit margin is expected to increase by more than $700 million.

Students and families would see short-term savings with loan interest based on the government’s cost of borrowing. As the economy improves, interest rates will increase. Students will spend more on interest starting in 2016. Since student loan debt payments will last for decades, initial savings will be outweighed by decades of high interest.

This estimated increase in interest is preparing students and families for a greater burden of government debt. A college education should be affordable for anyone who wants to earn their degree. This was the idea behind the launch of student loans in the first place. It is imperative that people get serious about finding ways to lower student loan debt.

With over $1 trillion in college loan debt, the government should be looking for ways to address the problem rather than rush through a law to boost profits. The Consumer Financial Protection Bureau has set its sights on the education of future students using federal loans. It is important for students to understand the relief programs that are already in place to make student debt more affordable. This information will help prevent students from falling into debt trouble right out of school. When you’re 18, a 6-month grace period seems like a great opportunity to prepare yourself to pay the first payment. When graduation comes around and the same student now has 4 years of loans to make payments, 6 months go by in the blink of an eye. Federal loan programs will help make the transition to the ‘real’ world more financially favorable.

The good news is that this new bill will bring immediate relief and nothing is set in stone about it. Government officials could re-evaluate the bill at a later date to address the student loan debt crisis. Young households need to pay living costs, save for their future, and build family security through investing rather than working to pay off college debt.

Right now, the new bill passed this summer isn’t bad for students. It takes care of the here and now by supporting lower interest student debt relief. If Congress does not re-address this issue at a later date, students will see the same effects as credit card holders who apply for ‘zero’ interest cards. They enjoy the interest-free introductory rate and then wonder why they can’t pay their bill once the higher interest rate applies to their purchases 6 months to a year later.

One thing is for sure, the bills will come. Students will have to find a way to solve their monthly burden of paying off their college debt. Student debt services are prepared to help average people find government-backed programs to save on student loan debt problems and ease the financial burden for decades to come.