[entangledqubit]

From what I understand, in the US it's much easier to walk away from a mortgage (with an underlying asset to reclaim) than student loans. I'm under the impression that this (and government default guarantees) makes lenders more willing to lend money. I'm curious if tuition would have risen as much if lenders were less willing to lend money due to structural changes (e.g. actually being able to lose money).