Make non-dischargeable loans more like an investment for the bank, in which they get back something tied to your income, when you earn it. And let them offer wh

Make non-dischargeable loans more like an investment for the bank, in which they get back something tied to your income, when you earn it. And let them offer what they will according to school/major/SAT score/etc. Then indeed expensive useless degrees will (like a gap-year in first-class hotels) be available only to the rich. But useful job training will not be.