Let's assign responsibility properly. No one is being saddled with $100,000 in student loans without their full consent, hence there is no crime. Stupidity, yes.
College students should fully examine the marketability of their degree before begining their studies. If it's really cost-effective to take out that loan for that degree,the college placement office, will have statistics to back it up.
Otherwise, a trade school is probably a better deal; cheaper, shorter, less stupid time wasting classes; and generally a job placement service at the end.
I'm not one of those people who likes to take advantage of stupid people, but that's just me.