This is absolutely right. The entire current system is rigged to increase leverage on students' futures to provide more profit (or "non"-profit) for educationa

This is absolutely right. The entire current system is rigged to increase leverage on students' futures to provide more profit (or "non"-profit) for educational institutions, while providing the least possible transparency that this is being done to benefit institutions. Simplifying and making the transfer of wealth more transparent are required first steps. Only after that's done should subsidies be evaluated to promote desired outcomes. The entire "wholesale paying off all student debt" plan is a terrible giveaway to entities that have contributed very little to the process.