Perhaps a compromise between loan forgiveness and holding people accountable is to get rid of interest/origination fees on student loans. If you borrow, you will have to pay it back, but since we value education in this country, there will be no interest/fees. This still will require a very large gov’t cost, but it seems it’s a step, in my mind, in the right direction. Alternatively, maybe the interest rate should be equal to the inflation rate.