You did leave out the PC, identity politics and Marxist indoctrination as a big part of their unsellable education. And that a huge number of the Obama Era student loans went to scams were took loans they never intended to repay and instead simply gave a sham "school" a cut and used the rest for freeloading living expenses. This is a big motivation for debt forgiveness - if the system implodes and investigators discover how much outright, intentional fraud was in the system, it will get ugly.
I purposely limited my post to the few salient points I made.
You can read a detailed view of my opinion about education and student debt here.
-PJ