I think you're absolutely right. I was trying to craft my suggestions in such a way that we discourage fraudulent lending and provide (publicly, not privately)

I think you're absolutely right. I was trying to craft my suggestions in such a way that we discourage fraudulent lending and provide (publicly, not privately) insurance against not being able to pay future education debts because of circumstances outside our control. I want to increase the odds that someone who is willing and able can work their way to where they want to be, and decrease the odds that fortune dictates who wins and who loses. (I vehemently support leveling the funding playing field for primary and secondary public schools in Minnesota and dramatically increasing funding for schools in poorer neighborhoods; also providing credits for child care, preschool, public transportation, and safer streets. What I object to is the idea that someone should go to Macalester College, get a degree in Psychology with a C+ average, then complain because they aren't handed a job with a wage high enough to cover $100k in student loans).