I don't disagree with any of your assertions. An educated society made up of well informed citizens is the ultimate goal. However why should the government be r

I don't disagree with any of your assertions. An educated society made up of well informed citizens is the ultimate goal. However why should the government be responsible for giving a less advantaged student permission and almost encouragement to pursue a path that reduces their likelihood of paying back the loan in full/on time? The necessary education for someone to be well informed should be transferred to the high school system where the student does not need to go into debt to receive the necessary education. If there was restricted access to loans or harsher terms, people from less favorable economic backgrounds would likely not pursue those sanctioned fields, unless they had some specific advantage such as ability since this could yield to a higher chance of success.