This is certainly an acute problem and if we don't try to solve it gradually this debt will only increase. I think that it's necessary to stimulate students in another way, with some kind of non-material things, so that they try to show their skills, knowledge and skills more than just paying their tuition (which means taking out a loan). In this regard, there is a problem of free time, when you have to pay for studies. Therefore, students seek help from online resources that can help with the execution of assignments or writing essays (various tips on this can be found here). In the end, this is a complex problem that must be solved as soon as possible.