It's not to late to start enforcing them. I am sure there are people who can't afford to repay their loans on a retirement income, but planty of people who are retired can certainly pay. For those who can't.....I can be nice and say to just let the loans go, or to start paying 1.00-10.00/month. Or I can be hard core and say...when the person passes away to have the government be paid first before the heirs.If they are not going to start enforcing them, they should stop giving them out-it is not fair to others to have some people get free money that way. My opinion.
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