I don't like it, but how would you prevent everyone from getting expensive schooling and then immediately declaring bankruptcy?

Just better redistribution and georgism/UBI type stuff but also keeping the need based stuff (medicaid, social security disability etc.) I think would be more fair and not punish people who paid off their debt or worked a job during school. Expanding free public education to K-16 and maybe ?more heavily taxing elite universities that get most of their value from the prestige of their own high ranking students who then have to pay more for it and other things like prestigious journals and even startup funds like YC, top law firms, etc. that work largely as prestige money redirectors where the value comes from those capturing the prestige but is redirected almost entireoy to just whoever kicked off the prestige flywheel early..