I agree it would be prudent for the government to be more discerning with issuing loans (or imo not do it at all), but I don't think the schools themselves should be forced to do anything. most people already have access to perfectly good state universities that charge in-state students less than a year's wages at mcdonald's. I went to one of these and got a valuable education, minus the "cruise ship level amenities". if someone wants to blow $50k/year on a medieval lit degree at a mid-tier liberal arts college, that should be up to them, provided it is made clear that it's probably not a good financial decision.