If nothing else, bring the interest rate down to a level where the payment means something. If corporations and the uber wealthy don’t have to pay taxes, the poor shouldn’t have to pay interest to get an education. As someone who worked in the industry I can say that students understand vaguely what the payback means. Either waive interest or make payback commensurate with what the student can expect to make in their chosen field. There is no way the cost of a teaching license should cost the same as an engineering degree. Level the playing field for all students.