There is a deeper problem that needs to be fixed and "fixing" the student loan problem is just a band aid to a truly broken system.

So what is the ;deeper; problem? To my mind this is how it works...If someone takes a loan fully knowing that there is a moral and contractual responsibility to pay it back ... then it is clear... I agree with darth-azrael ... there are no free meals and for every 'winner' there is a loser.