College Costs

I read that this past year college loans topped 1 billion dollars for the first time ever. Clearly this is a problem. You have to stop and think about how this is affecting people. These loans are basically inescapable which causes two problems. One, you can't get out of them if your life takes a turn for the worse. You shouldn't declare bankruptcy to avoid debt but sometimes bad things happen and you have no choice. Two, it allows the colleges to charge insanely high amounts because they know that they are guaranteed to get it, and the kids will pay it. Something needs to be done. These aren't rv loans that people are choosing to get for fun, they affect the livelihoods of a lot of people.