I'm not sure 0% interest really helps when (prospective) students still have the ability to borrow an unlimited amount of dollars. The current crisis is caused

I'm not sure 0% interest really helps when (prospective) students still have the ability to borrow an unlimited amount of dollars. The current crisis is caused by colleges raising tuition to maximum amount that students are able to pay, which is essentially only limited by how much they are allowed borrow. What I would like to see is: 1. Federal student loans capped at $XX,000 per semester, disbursed directly to school. 2. If the school accepts federal loans for any student, then tuition and fees are capped for all students at $YY,000 per semester (where YY is a small multiplier on XX, maybe 1.25). 3. Interest capped at a "reasonable" amount. This might mean simple (non-compounding) interest, or non-accrual of interest while loans are deferred, or something else. 4. Private loans should be dischargeable in bankruptcy after 10 to 15 years.