Several years ago, a story circulated that captured the attention of the nation. A billionaire philanthropist stood before a graduating class at Morehouse College and announced that he would personally pay off all of their student loan debt. Hundreds of graduates were suddenly released from millions of dollars in financial obligation. As reactions poured in, many of the students described the moment with words like “liberation,” “disbelief,” and “overwhelming gratitude.” One statement stood out above the rest. The donor encouraged the graduates, essentially saying, “Go out into the world. Do what makes your heart sing. Don’t worry about your debt.”…