There is no fraud when someone can't pay back their student loans. Bankruptcy isn't fraud. Bankruptcy isn't paid for with interest. Bankruptcy is a right that debtors have when their debt gets out of control due to whatever reasons, and sadly us students do not have that option. Bankruptcy is mostly unavailable to us, and when it is available, it's made unavailable by terms that make absolutely zero sense at all.
If I can't find a job, I have absolutely zero way to attempt to pay back student loans in order to show I made an attempt, which would be one measure needed to qualify me for bankruptcy. If I'm barely making enough to support my basic expenses when I do have a job, I can't be expected to prioritize my student loan over my ability to eat or provide shelter for myself. If the bar for showing an attempt at repayment is as low as sending $5 / month, then what's the point in having that restriction on student loans to begin with.
Why was the ability to file for bankruptcy on student loans ever rescinded in the first place? It absolutely was not because there were more and more people trying to defraud the system, unless you somehow twist logic forcefully enough to fit that demented narrative. It was a means to shore up the predictable deficit that would be caused by the Bush tax cuts. Yes, the bush tax cuts. It was not that long ago that the ability to file for bankruptcy on student loans was stolen from us.
If you live in a red state or purple state, then good fucking luck getting any sympathy from the judges with zero qualifications merely elected to their positions when seeking bankruptcy.