I feel like there may be a middle ground between 100% on taxpayers and 100% on the issuing banks that still deals with some of the problems the current system w

I feel like there may be a middle ground between 100% on taxpayers and 100% on the issuing banks that still deals with some of the problems the current system was intended to fix. Pricing the risk of an 18 year old trying to get through school is a crap shoot, so banks just won't do it. That effectively shuts out kids from poor backgrounds. I know I wouldn't have been able to go to school without loans, and saving money for a few years wouldn't have been an option because of my area/family. Current laws were made to solve a problem. Now we know that they create a new problem. Let's try something new rather than reverting back to the old problems.