Why not just give out government student loans to people studying STEM fields?

Couldn't this whole student loan crisis be avoided if the government stopped giving out loans to people pursuing degrees that won't get them a job after college (most college degrees)?

Perhaps there should be a requirement where there is actual job demand prior to being awarded a loan. (STEM, Medical, Supply Chain Management, etc.)

All my friends who are in crippling student loan debt act like it's the government's fault they took out a $100k loan for their theater or horticulture degree. Nobody forced them to do anything. Did they really think their sociology degree would prevent them from a life of making people's coffees for the rest of their lives?

Giving out loans to any student with a pulse pursuing any degree, regardless of whether or not there is demand in the field is retarded and whatever fate is in store for irresponsible government aid to people who pursue worthless pieces of paper is deserved.

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Because it's not about a knowledgeable workforce with marketable skills, it's about artificially inflating the economy through one of the biggest industries there is: tertiary education.
All those buildings, computers and equipment, staff - not just professors, but administrators, marketers, janitors, security staff. Education is a government subsidized industry.

Now, yes, they could restrict loans just to those which were judged to be jobs for which there was more demand but also wouldn't that push down net wages in those jobs? Doesn't that kind of undermine the purpose.

> Nobody forced them to do anything. Did they really think their sociology degree would prevent them from a life of making people's coffees for the rest of their lives?
Wrong, it's because when you're 18 you are totally unqualified to make the decisions that will affect the trajectory of the rest of your life, but society says you need to "go to college" - yes they made bad decisions, so what!? they were fucking 18. They weren't allowed to drink yet, yet expected to define the career that will define at least half of their adult life!?

The system is flawed, fundamentally flawed, but you're asking the wrong questions. if anything you should be asking "how can we get more 18 year olds INTERESTED IN STEM" wouldn't that require less policy change, cause less defaults and bad debt? Not to mention just being plain easier?

Why not just gas the kikes and race war now?

STEM is a meme. The liberal arts degrees with no clear career path can lead to high paying careers in fields like Law if they use it as a stepping stone to an advanced degree. The way to fix the “student loan crisis” is complex. Stop telling everyone they need to go to college, stop giving loans to all the blacks and Hispanics who can’t hack it, and stop incentivizing universities to raise their fees by double digits every year and fleece students by replacing huge loan programs reasonable grants that never need to be paid back.

Old enough to vote, old enough to be accountable for your choices

No, that would still be stupid
What would fix the system is making student loans be eligible for bankruptcy.
You see, if you didn't know, student loans are ETERNAL, it doesn't matter how bad it gets you can't EVER write them off.
A regular loan can be written off if you file for bankruptcy, sure it will ruin your credit score for 7 years or whatever bs but after then it's basically clean slate. This keeps creditors on their toes, if they don't reasonably expect you to use that money effectively and pay off the loan, they won't give you a loan.
With student loans it's different, (((they))) saddle young stupid people with 100k debts that will NEVER EVER be paid off, and then have a slice of that person's paycheck for life, risk-free, which in the long-term vastly overshadows the initial.
The universities are indirectly complicit in this scheme, they just saw that they could charge whatever they want because kids would take loans to pay it anyways.

Make student loans defaultable and you'll see a slew of genderqueersciencetransfeminism courses simply die out of starvation, since no bank would give a loan to someone who is sure to default after a couple of years

>Wrong, it's because when you're 18 you are totally unqualified to make the decisions that will affect the trajectory of the rest of your life, but society says you need to "go to college"
I get this but I don't know what's supposed to be the reasonable solution. Like what, you let them have a sabbatical to figure shit out and decide? It's going to be a wasted year anyways.

False dichotomy - 18 year olds collectively only make a small percentage of a vote that will only affect a 4 year term, we're talking about 100% of the vote of one's own life for the duration of their entire life.
If anything it's just an argument to raise the voting age. People make bad decisions when they're young.
Not that I would argue for that...

Good question, why not just push college to be in one's late 20's? You graduate from high school, join the workforce either as an apprentice or working at McDonalds or whatever, gain some life experience, learn to pay bills, learn what priorities are, drift away from your high school friendship group and get a firmer idea of your identity, and then at age 24-26 you enroll into college, everyone else the same age but you have 6-8 years of "adulting" under your belt.

However, let me counter that nothing about this will change. There is too much inertia in the system to actually make it happen.

>People make bad decisions when they're young.
People make bad decisions all the time, no matter the age.

What is with your binary thinking? The amount of mistakes a person makes over time (for most mentally healthy people) diminishes as they gain more experience, encounter more situations and recognize patterns and develop optimal strategies to deal with them.
You're arguing is tantamount to saying that people die in car crashes, so let's not bother with seat belts.