Student loans should not be protected from bankruptcy. The lender should have to assume more risk than when they lend money for a house purchase. Let's see how many of these gender studies courses would exist if the lender wanted to know what courses you're taking so they can figure out the likelihood of the borrower earning an income one day and being able to pay back the loan.
Also, if fewer people are able to get these loans (the cost will play a big factor in it) then schools will just have to lower their fees or lose out in enrollment numbers.
The school, bank, whatever should be on the hook (as well is the student). At this time, you cannot declare bankruptcy for student loans and you never should be able to. Also, the government should not back any student loan and they should be EXTREMELY hard to get.
College is just extended day-care for the brain dead masses at this point to trap them in debt until the end of their lives because they are too fucking stupid to do something about it.
Range one me. That is fine.