[palmotea]

> The solution is to allow judges the discretion to default them in bankruptcy after X number of years after graduation. Lenders need to accept the risk. With no risk, they can loan as much as they want and have guaranteed repayment. This drives tuition higher and higher.

This. The whole student loan mess is a direct result of their special treatment during bankruptcy.

> It tells universities that they can keep charging exorbitant tuitions because kids can still get loans to pay them.

I wouldn't be opposed to some kind of tuition claw-back from schools, when a student loan goes into default (but only by the government, not private lenders). The universities need more skin in the game to keep tuition under control.