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Not sure how effective that would be. It would have to be paired with regulation on the cost of college tuition for it to actually do anything.
And even then, a "more affordable" college education still is unobtainable to many students. Most people have zero savings or even a negative net worth.
https://www.credit.com/blog/average-savings-by-age/
So you're solution is to allow people who have no savings and negative net worth to borrow hundreds of thousands of dollars that they cannot get rid of even via bankruptcy? If college tuition was 3k a semester or per year...way more people could afford it.
Bro did you read my comment, I gave you your answer and said it should be regulated to be more reasonable
How do you plan on doing that though?
... putting a cap on tuitions based on poverty line? Subsidizing tuitions for people relative to poverty line? There are many ways to accomplish this it's not impossible to make tuitions reasonable for people who can afford them and attainable for people who can't. We all benefit from people being more highly educated
So the person who is $1 above the poverty line gets shafted? Most students could just not be claimed by their parents and instantly be below the poverty line.
Also you have to actually be independent to claim yourself as independent... have you actually gone through that process? You have to literally provide proof that your parents either A) could not help fund your education or B) are estranged or dead, and also have to sign an affidavit. Source: I had to do this myself in college
What? You do know that the poverty line is used as a base reference often right? Usually government assistance programs will qualify based on anyone below X% of the poverty line like 200% or something. You don't have to be at or below the poverty line to qualify.
I really don't know if you're being serious, but the points you're bringing up seem like nonsense. Obviously there are ways to manage these things, it just depends on how you want to go about it.
The point is, you're still allowing colleges to charge whatever the fuck they want and they know the feds will pay it. Without the loans they've got to actually get serious about the bullshit spending they do and properly price the cost of attendance.