Want a Liberal Arts degree - try Hillsdale College.
Undecided? Go work at Mickey D’s for a year.
North Dakota has a state owned bank which offers students at colleges in the state comparable great rates. The default rate is also near 0% because most of the loan funds are limited to students studying actual skillsets which result in actual jobs and making progress toward graduation. If you want to study one of the few fluff majors offered in North Dakota, the amount you can borrow is severely restricted.
These are just two highly successful models, one private and one public, to make Fedzilla loans non-essential.