I feel like allowing bankruptcy in certain situations would make sense.
For example, I took out undergraduate and graduate loans to train for a career that, due to a freak health event (I got MS) in my last semester of grad school, I couldn't actually do. Currently, the disability discharge works in a way where if you can do any work at all you're on the hook for the full amount.
So someone who went to school to become an actuary/doctor/lawyer/etc, suffered a severe head injury and afterwards can only work a retail or fast food job is still on the hook for all their loans and has to pay them off on poverty wages.
Another case is people for whom the economic landscape changed so drastically so quickly that the decisions they made when entering school might not be relevant when they leave school. Think people who started undergrad in 2005/2006/2007 - they might have made perfectly reasonable decisions about what college to go to and how much debt to take out based on expected future return, and then that return tanked while they were in school + there were several years of scraping by during which interest accumulated due to no fault of their own.