Yeah, really anything that isn't "I got a worthless degree and my earnings as a barista don't cover it" isn't really the school's fault. I'm sure there are some gray areas. You'd probably need to have some sort of income threshold where the loans are no longer dischargeable. But then what happens if you're unemployed? If your degree has gotten you a $200k/yr job in the past but you're unemployed now, are they dischargeable? What happens if they're discharged and you get another $200k/yr job two weeks later? Etc.