Changing the rules of the game going forward, for loans not yet written, for students not yet in college, is different (and acceptable and probably necessary) than changing the rules of the game AFTER THE FACT, and changing the contractual obligations on existing debt, especially, encumbering institutions with debt obligations that never legally signed on for those debts.
Some of your ideas might be starting points for a way forward for the future, but they can't be constitutionally-applied to the existing trillion dollars worth of student debt already out there.
sitetest
America threw all of that out the window when they installed the current regime.
Sort of like the public unions who used their political and organizing might to guarantee their members pensions which were not based on reality and are now crying that taxpayers have to make up the difference by digging deeper in our pockets.
The harsh reality is that they coerced an economically unsound promise from the public through political organization and, thus, they can lose it in the same way. Nobody is bailing out my 401(k) because the market tanked.