You left out a key, necessary, contributor. The colleges should be forced to contribute some of their billions ($trillions?) in endowments toward the problem from which they profited.
I looked it up. Looks like there is just a HALF $trillion sitting there that could be used to help ameliorate the crisis. https://nces.ed.gov/fastfacts/display.asp?id=73
Offset that against the debt, and you’ll have a good start on cleaning up the mess.
Suggest you reread my points 2-6 plus post #26. Of course, the institutions are central to the problem, which is why my points put those selling the most useless degrees at greatest risk.
Suggest you reread my points 2-6 plus post #26. Of course, the institutions are central to the problem, which is why my points put those selling the most useless degrees at greatest risk.