American Public Credit Option

The "American Public Credit Option" provides every citizen with access to fair, affordable loans without predatory banks. Loans are issued through a government-backed system and are fully backed by deposits or Treasury funding—no money is created out of nothing. Borrowers pay no interest; instead, payments are tied to income and living expenses, automatically adjusted using tax filings. A student, for example, might pay only a few dollars a month while earning a low wage, with payments increasing as income grows until the loan is fully repaid. Small businesses and education funding are included, giving citizens the capital they need to succeed without debt traps. This system keeps money circulating in communities, prevents exploitation by private banks, and ensures financial freedom for all Americans. Credit becomes a tool for opportunity, not a chain of usury.