The simple solution would be to make the debt hypothetically discharge-able again and to get the government bubble of money out of the picture of higher educati

The simple solution would be to make the debt hypothetically discharge-able again and to get the government bubble of money out of the picture of higher education. I suspect the market would mostly regulate itself at that point, but then you get into the whole "not equal opportunity" crap. I hate to say it, but it isn't equal now. You trade proportions of colors of students for everyone has a degree, no one has a job, and everyone is in debt.