Getting people to take loans they will spend the rest of their life trying to recover from IS the plan behind the whole system.

Preventing that from happening totally goes against the point of it all.

And in furthering the goal of getting that money back, the government has made sure that student loan debt cannot be cleared in a bankruptcy, and ALSO, with the nationalization of the student loan industry, government moves to the front of the line in collecting payments - notably through their attack dogs at the IRS.