I think an important step to take would be allowing lenders to discriminate based on students' course of study, considering the massive effect it has on student

I think an important step to take would be allowing lenders to discriminate based on students' course of study, considering the massive effect it has on students' ability to pay back their debt. Such a change would, all other things being equal, reduce interest rates for STEM degrees and increase those for arts, thus potentially increasing the number of STEM students to the benefit of the wider economy.