What incentives were in place to escalate the student loan problem in the first place?

What would happen if student loans were not "cheap" money -- i.e. harder to come by and more expensive to take out in the first place?

Describe the connection between the stated principle and the student loan problem.

What solutions exist to solve the student loan crisis?

Who is at fault for the massive student loan debt?

What policy measures should be considered to prevent further debt crisis?

https://fee.org/articles/seven-principles-of-sound-public-policy/