Interesting that the top major of student loan holders is Nursing https://educationdata.org/student-loan-debt-by-major Also student loans and the funding of education and the artificial scarcity and perverse incentives that it produces is one of the direct causes of the shortage of medical professionals of all stripes in the US. https://www.healthcaredive.com/news/lawmakers-fixes-healthca... As the OP that I responded to argued, the risk of loans prevented him from pursuing a degree. That risk most definitely plays apart in prospective medical students deciding to enter the field because if they fail at any point in that journey they are directly responsible for a ungodly huge sum of money.

Also the moral hazard argument is a red herring to rage bait the blue collar segment of the population and disregards the breadth of actual majors of student loan holders. And secondly it still does nothing to address the actual government policy decision that gave rise to this problem. The policy of student loan (public and individual student risk) vs direct public funding (public and institutional risk).