The “universties” that harvested dumb 18 year-olds for their student loan dollars are the villains of the story.
The solution is to take the money out of the endowments of the “universities” that exploited them.
That would be very fitting.
How dumb are today’s college students? Apparently they are not smart enough to calculate loan payback time frames. Maybe they are just deadbeats trying to beat the system.