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There is a very, very simple long term solution to the college debt problem: stop insisting that every 18-year-old go to a four year institution immediately out of high school.
If most of these kids worked for a few years, earned money, gained maturity, figured out their vocation, THEN decided about college, a lot of these problems would disappear. There is no downside to this proposal. There is massive downside to the current way of doing things.
The average age of a college freshman should be 20 or 21, not 17 or 18. And if that became the average age, there would also be far fewer college freshman because in the interim a lot of people would discover vocations that don't require the degree.
Imagine if almost every new student at college had three things: 1) Money. 2) Maturity. 2) An idea about what they want to do with their life and how exactly this degree will help achieve it. Right now, the vast majority have none of these, and that's why everything is screwed up
