It's not that universities are dependent on huge subsidies. The problem is that the federal loan system has enabled them to do some pretty shady things that no

It's not that universities are dependent on huge subsidies. The problem is that the federal loan system has enabled them to do some pretty shady things that no other industry can do. Today, universities set the base tuition prices so high that essentially nobody can afford to pay. But then, the university gives their prospective students the opportunity to disclose exactly how much they can afford -- verifiable with their income statements and their parents' income statements. Once this upper bound on price is established, the prospective student then receives a combination of grants and loans to cover the difference. Meanwhile, these loans (entered into by teenagers still in high school) are not subject to bankruptcy laws. So the repayment of them is all but guaranteed. I don't know of any other industry in which the federal government enables a supplier to achieve tax-return-based proof of income in the supplier / purchaser negotiation process. [Do] you have a plan that helps current students Sadly, I don't. I empathize for people who are saddled with a lot of debt, but enshrining the problem by passing new legislation on top of the existing federal loan guidelines just perpetuates the problem for the next generation.