How about: - allowing discharging of student debt after 10 years - allowing someone to pay only up to 10% of adjusted gross income per year (lenders cannot as

How about: - allowing discharging of student debt after 10 years - allowing someone to pay only up to 10% of adjusted gross income per year (lenders cannot ask for more; voluntary prepayment is okay) What will happen, probably, is that: - lenders will start looking at earning potential of various degrees and loan amounts will be tied to degrees being pursued - tuitions for degrees with low earning potential will be lowered - universities who cannot afford to lower tuitions will shut down some departments. That slack will be picked up by community colleges. - some of the majors will only be pursued by rich (as happened for hundreds of years)