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the pricing of degrees in the US should be re-evaluated too, if I may. There is no way the cost of knowledge transfer cannot be optimized.

Private universities might have no incentive for change for obvious reasons left as an exercise to the reader, but it would in the interest of the government to support innovation in this area, instead of try to patch a loan mechanism that is only feeding the beast.

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One does not need $100k to get a higher education unless going to a "Destination College." I was able to get a computer science degree using community colleges and finishing at a state school for far far less than that.

If you’re not working during school borrowing 25k a year seems a bit low tbh. Most in state tuition is at least in the teens and the room and board are too, not super easy to spend less than 25k. Sure you could live at home and go to community college, but not doing that is hardly a “destination” college.

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