What about making it dischargeable starting 3-8 years after their last day/graduation? Then lenders have an incentive to stop supporting useless $150k degrees

What about making it dischargeable starting 3-8 years after their last day/graduation? Then lenders have an incentive to stop supporting useless $150k degrees, and borrowers can't declare bankruptcy immediately after graduation as an intentional tactic to dodge the debt. Seems to address all major problems.