I can not understand how SS would come to a point of needing to borrow. There are plenty of people who worked many years, paying into SS, that died before ever using SS dollars. And people are still working and funding it. I've not recieved an increase in my SS, yet my bills, home maintenance, medical, utilities, insurance of all sorts have gone up. We worked and paid into this all of our years, the promise that was made when doing so, needs to continue. And allow us "retirement" without putting us at risk.