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Culture War Roundup for the week of August 21, 2023

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What are the minimal changes necessary to get an epsilon away from the current model of "government guarantees the entire loan amount with no conditions and it's not dischargeable in bankruptcy, with private lenders available" and towards a model that incentivizes better behavior in schools and students?

Simple, try to change the law so that student loans can be discharged in bankruptcy.

The fact that it's hard to explain things to the average person helps you here. Average people will see it as "help graduates who owe a lot of money by at least letting them go bankrupt". They won't think about how it incentivizes universities to give loans only for useful majors, because they won't think about incentives at all. The left can't complain that you can't get loans for feminist studies because the cause and effect from allowing bankruptcy to that result won't fit in a sound bite.

(Someone points out below that a lot of loans are direct, which may make this harder.)