Here's one from the tax point of view. https://equitablegrowth.org/the-relationship-between-taxation-and-u-s-economic-growth/

The old saying is "it takes money to make money". I can't quantify this but It seems more true in the past 10 years. The student loan issue comes from that. Why do those who invest money from their home loans do better than those who invest their time into education?

It isn't so much how many dollars are added/subtracted from the system, but where they go. They seem to be going to wealth preservation (more real estate development) than productive businesses.

I could be speaking 100% out of my arse ;)