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Or how about blaming the government for just approving everyone?

Who else would give an 18yo with no assets, minimal skill, and no credit history an unsecured loan for 20k, 50k, or even 100k?

Does it really count as unsecured if it can't be discharged in bankruptcy?

Unsecured means there is no asset, such as a house, bank account backing up the loan. Unsecured does not mean forgivable.

It's assumed that providing access to education would help fix the "minimal skills", and thus provide for a safe way to pay back the debt.

Unfortunately the assumption falls short, and often the education/accreditation provided is nearly worthless in the current "job market".

Indeed. Really if people insist on financialising education it should be seen as an equity investment rather than a loan.