Well, then the solution is abolishing the law making these loans so easy. It will make things easier for students themselves (only after a transient process, though, which itself is going to be hard - but that can be softened by, say, abolishing it gradually, for different categories of students).
The costs HAVE become I flatbed, because everyone can get a loan for a degree, and schools keep raising tuition.
Well, then the solution is abolishing the law making these loans so easy. It will make things easier for students themselves (only after a transient process, though, which itself is going to be hard - but that can be softened by, say, abolishing it gradually, for different categories of students).