If the point you are trying to make is: 1) loans should be dischargeable via bankruptcy so that 2) lenders refuse to make such large loans so that 3) tui

If the point you are trying to make is: 1) loans should be dischargeable via bankruptcy so that 2) lenders refuse to make such large loans so that 3) tuitions are forced down Then I think that's a perfectly fine point of view (as I already said above). It's just important to be clear about it and not simply say that loans should be dischargeable with the expectation that everything else will stay more-or-less the same. Making this change would have an enormous impact on how higher education in the US functions.