A Spate of Points Pertaining to Higher Education

a) As it stands now, people who are unable to pay off their student loans cannot file bankruptcy. Perhaps we need to change that. I mean, think about it here. Would not a potential lender be far more careful if he knew that the government wouldn't bail the borrower out, and wouldn't the borrower himself be far more careful in what he took the loan out for (as in maybe choosing a more prudent major)? Just a thought.............b) The way that student loans work now, there are no credit checks, no underwriting, and no collateral. I ask you, is that any way to run a damned business?............c) According to economist, Alex Tabarrok, more than 1/2 of all the graduates in the Humanities eventually end with jobs that don't even require a college degree. Don't you think that maybe we ought to start thinking about facts such as this (waitresses with tens of thousands of dollars in student-loan debt, for example) going forward and not continuously subsidize them?............d) Debt forgiveness for student loans is a total misnomer. Not a damn thing gets forgiven in that it's the taxpayer who ends up fitting the bill AS USUAL. And why pray tell would we even consider bailing out college graduates anyway? These are people who already have a leg up in many ways to start and what about all of the future college debt? Are we going to bail out the next generation of college graduates, too? This is insanity.