Exactly. Plus you can change the ground rules. In this case it can apparently even be done without changing the law : Student loans are not excluded from disch

Exactly. Plus you can change the ground rules. In this case it can apparently even be done without changing the law : Student loans are not excluded from discharge if excluding the debt would "impose an undue hardship on the debtor and the debtor's dependents". So it only requires a small attitude change of judges for the bank's assumption that non-repayment is impossible to blow up. Given the attitude changes towards student debt that are occurring in the papers, can this really be that far behind ?