When we, you, or I say “Congress must investigate” what we are saying is “Let’s make sure nothing gets done about this”. Why, if we perceive a problem and would like something done about it, would we like to have a feckless, special-interest-captured group of people of average or less intelligence and only interested in their own re-elections try to fix something?
If you, the author, perceive a problem, and any idiot can see there is a giant problem with student loans given the overwhelmingly useless degrees kids pay tens of thousands of dollars to achieve, then state, please, affirmatively, what you perceive as the problem and what your plan is to do something about it.
Likely, you will then be stating a position that somebody or a huge mass of entrenched somebodies is charging too much for something. Good luck.