If you want to graduates to be able to buy a house, the federal government could suspend loan repayment until paycheck period buyer income increases exceed the loan repayment amount(s) for the period.
If the homebuyers have $110,000 in annual income and $13,000 in loan payments, they would not have to start repaying until their annual income is at least $123,000.
I’m just putting this out as a possibility. In my day, we paid, period.
$110K is income for a BSEE manager, not punks.