you probably should, if you had the sense the good lord gave a shoe lace.
being the good reactionary that you are, you would think you’d at least be familiar with the basics of banking theory–the kind that stretches back to the first mercantile banks centuries ago: risk is a two way street, and the lender assumes the risk of the loan.
But nope! You want all the risk of the loan to be born by the borrower, while the lender gets every conceivable guarantee of profit possible (like a brigade of laws preventing legitimate bankruptcies of student debt).
It’s your heroes the rich that game this system–not a bunch of sad sack students whose heads were filled with stardust tales about the great job market up ahead for degrees! I fell for it, too, many years ago.
But the rich can over-buy yachts and discharge unpayable debts as a matter of routine. While the rest of us are placed into involuntary indenture for the remainder of our days. I reject your world.