Allow 6 months free and clear, any extension beyond that should be payed back when the person is gainfully employed.
.5 - 5% or so withheld from future paychecks, depending on the amount borrowed, would go a long way to motivate some to find work and at the least ensure some form of taxes were payed.
In my state you can receive nearly $600 dollars a week for a year and a half! Over 40k just handed over! Lots of people claim UE while working full time under the table.
“Life is life and fun is fun, but it's all so quiet when the goldfish die.”
