Exactly. If the burden of collecting the debt is on the loaner, they will do a better job of enforcing who gets a loan (which is traditionally the job of the loaner anyway). Student loans get handed out like candy and now we have a continuously-compounding problem of growing tuitions and debt.

If bankruptcy could fix student loans, then the ones giving out loans would be a lot more careful, schools would stop wasting hundreds of millions on new buildings that that are 80% empty, and we wouldn't have a large segment of the middle class population in indentured servitude.

Seems pretty simple to me.