As a taxpayer, I want you to pay also. I also want the government out of the educational loan business and think that some of the financial risk should be born

As a taxpayer, I want you to pay also. I also want the government out of the educational loan business and think that some of the financial risk should be borne by the educational institutions. Making educational loans dischargeable in bankruptcy sounds reasonable on the surface but it problematic when you consider that a newly minted college graduate basically has no assets. Allowing the loan to be dischargeable would encourage graduates to immediately declare bankruptcy to get rid of their student loans. Not sure what the solution is there other than not making the risky loan in the first place.