Very good points - I had no idea of this crazy situation for student loans. So, perhaps, "student loans" need to go (in the sense of all of the awful regulatio

Very good points - I had no idea of this crazy situation for student loans. So, perhaps, "student loans" need to go (in the sense of all of the awful regulation (or lack thereof) around them), but not necessarily "loans to students to earn a four-year degree".