We already give out 120 billion dollars in student aid for less fortunate students every year. Seems like the cost of college has gotten a little out of hand. The degrees that the colleges are offering many times do not translate to well-paying job opportunities. The colleges have no skin in the game. The federal government really sucks at giving out student loans. Joe Biden just paid off 6.1 Billion dollars in debt for fine art degrees. That makes about 150 Billion Dollars so far. If Joe gets reelected you can make that an even 1 trillion dollars before he is through. I would think banks would do a lot better about giving out student loans because they ask questions about you and your degree. Maybe ask how long you intend to take to get your 4 year degree. Maybe look at your grades. Maybe ask you if you intend to get a part time job or a job during the summer. They also make you have a cosigner who has money and good credit, sign their name. The bank has to answer to their shareholders if they give out bad loans.