“hundreds of thousands of unpaid student debt are almost universally young white people who don’t want to give away half their salary to pay for their education”
There is a 15% of income capped repayment program for federal student loans I believe. This program is in some cases worthwhile.
https://studentaid.gov/app/ibrInstructions.action
Note that income-based repayment if often not a good idea.
https://studentaid.gov/loan-simulator/
Be very careful in matters involving student loans.