[jimbokun]

"These people do things like work full time, go to school in the evenings, and graduate from college in four years."

That's not a thing anymore. Working full time at the wages you can earn without a college degree, won't pay for college tuition, especially not in four years.

The biggest way to help inequality would be to radically bring down the cost of a college education. Not loans, which just place lower and middle income families in even greater financial risk. A fully funded public university system with low tuition, like many states used to have not too long ago.