All of which, I guess, says that if student loans can be trivially discharged in bankruptcy, then we should expect that non-government loans will quickly go away, and government loans will start to have a ~100% default rate

(or this judge's decision won't become universally applicable, or the law will be changed to circumvent it)

hot take: private educational loans largely going away would be a good thing for education pricing

I think it's the government-guaranteed loans going away that would actually be the good thing for education pricing.