Student loans are basically a variable tax to attend college. There should be a relief valve of pay like 10% extra in taxes until the principal is paid off. People paying interest on the loans can get a tax deduction for the interest as well (it actually makes no sense to have interest on the loans because that interest is going back to the Feds in 90% of cases).

federally subsidized student loans shouldn't exist. supply and demand--they are the reason college has gotten so expensive in the first place.

in the old days, people could pay tuition with a part-time job.