Yeah, that's my idea. Student loan shouldn't be a crushing obligation for life. Riskier terms for student loans will mean a lot less money available. Less money

Yeah, that's my idea. Student loan shouldn't be a crushing obligation for life. Riskier terms for student loans will mean a lot less money available. Less money available will mean universities will stop building expensive buildings and hiring a million middle manager bureaucratic types that contribute no value, and will instead focus on driving down costs and focusing on their core value. If a student is going to graduate 200k in debt with an art degree, you'd be silly to lend to that student. If a student was going ~10k in debt to graduate in a field with a lot of economic opportunity then that might be a smart choice.