The abuse was largely in the duration and indiscriminate scope, regardless of ability to pay or not. Student loans are cheaper precisely because they cannot be

The abuse was largely in the duration and indiscriminate scope, regardless of ability to pay or not. Student loans are cheaper precisely because they cannot be discharged in bankruptcy. Rent is cheaper because of eviction. Now that we've seen the government unilaterally discharge rent through moratorium, you can expect to see that risk profile baked into an increased monthly payment.