Sorry, but you are completely wrong about student loans.
I know its very 'fashionable' to harp on that you should be able to drop them like a hot potato the week you graduate, but that would be a disaster, and in no way addresses the root problem.
Why a disaster? Because graduates are graduates. A large number of them would see this as a free lunch, and jump on it, declaring bankrupcy just to clear the debt (after all, they have almost nothing to lose here..), and THEN starting building their carreer with a problem. The 'punishments' of a bankrupcy will be of little consequence to them for the immediate future.
Therefore such risk in such loans will skyrocket, and availability will collapse, and interest rates will skyrocket.
We would immediately see a backlash from THE VERY PEOPLE WHO WANT THIS, claiming 'only the rich can now get an education!' and we will be back to square one.
The ACTUAL problem is the bullshit worldview that everyone needs a degree. THIS is what pushes demand to stupid levels, and created this whole problem in the first place.
Any sane education system has (and has respect for..) universities, technical institutes, apprenticeships, on job training, and just good old 'getting a job' as perfectly valid paths. THIS IS HOW IT SHOULD BE. Only the more intellectual 5% should ever be going to university, and having the other 80% there only harms those top thinkers by holding them back in a sea of mediocrity. Everyone else should be pursuing much less expensive, quicker, and more useful trade training.
But no, we need to be inclusive, no ones feelings can be hurt, everyone MUST have a degree to prove what a unique and special snowflake they are.
THAT, ladies and gentlemen, is the problem.