This wouldn't be a concern of the Federal Government at all if they'd just stop funding student loans. And there would be a side-benefit of college costs dropping sharply. A win-win for everyone!
To whatever the "middle class" can afford.
Edit: Realized I was probably straw-manning you with those questions. Sorry about that. Basically, could you elaborate on your position?
By equating funding and access, you're defining away a critical dynamic.