A social movement where everyone decides not to pay any form of debt has a higher chance of success than getting congress to act, especially act in the interest of people rather than the interest of bankers, corporations, or oligarchs.

We don't make people take out loans for K-12. Education is an investment. It should be funded, just not in a way that is so rife with conflicts of interest. Everyone benefits from an educated society except priests and other kinds of authoritarians.