> The solutions are surprisingly straightforward – make loans dischargeable, tie lending to degree value, hold institutions accountable This really over compli

> The solutions are surprisingly straightforward – make loans dischargeable, tie lending to degree value, hold institutions accountable This really over complicates it in my opinion. Student loans should be treated like any other debt. Yes, it should be able to be discharged as part of bankruptcy. From there we just need the government getting out of the way, save for a (hopefully) rare case of predatory lending or collusion. Lenders will decide what value a degree is worth because lenders themselves should own the loans rather than governments. Banks and financial institutions have very skilled actuaries who would make pretty easy work of calculating the acceptable cost for a given degree from a given school, factoring in the lender's acceptable level of defaults. Institutions can be very directly accountable when students can't get loans to go there. If a school charges too much, or the education they provide doesn't lead to careers that can pay back the loans, the schools lose.