The first problem is getting into debt in the first place. I paid for my children’s college so they would not start off life in debt. A root problem is lack of financial savvy by many parents and their children who don’t save or deal with debt properly. I say that as someone who had nothing and worked for everything I got.
My college years were '70-'74 (with Newt at West Georgia College) and my folks paid. Be that as it may, I never even heard of a loan for college. It just that wasn't a thing back then.
As someone down the thread mentions, I think the cost has gone WAY up since 1970. For a state run college like I went to, there was really no need to borrow.