I totally agree this is the root of the problem. You wouldn't be giving out 50k loans for degrees that are looking at making 30k a year. I think the big proble

I totally agree this is the root of the problem. You wouldn't be giving out 50k loans for degrees that are looking at making 30k a year. I think the big problem with this approach is that it disproportionately effects poor people. If person A studies underwater basket weaving but their parents cosign and have great credit and income, that's much less of a risk than person B who is studying engineering but has no assistance. 18 year olds have very little credit history or net worth so you are mostly looking at their parents situation. If there is a way to overcome that aspect, I would totally support the ability to discharge loans.