I'd be interested to see a world where your degree itself was factored into the equation. Pursuing biology? Nope, we've got too many of those and biologists don't make enough money on average. You'll only get lent a safe amount. Pursuing law? Now that's a safe loan with good payback odds! This would likely incentivize schools to put more scholarships in the less lucrative fields, and potentially keep those fields from becoming overpopulated. Or maybe folks will need to start their education in a community college or state school to build credibility. I'm sure the implications would be more nuanced than that, but I think that the incentive system for lenders is currently not working as intended.