You haven't limited the issue of student loans merely to the act of borrowing. Instead, you have linked it to employment, taxes, and the government system, which is a truly significant aspect. It is particularly true that if job opportunities are limited after graduation, loan repayment can become an additional burden for the student. In my view, alongside the issue of loans, it is essential to address rising tuition fees and employment challenges as well. You have presented this issue quite clearly from a student's perspective.