The regulator’s recent speech mentioned pretty clear the source of systematic errors.  Majority involved in higher ed has acted like dairy farmers who hardly can wait to cash cow lawfully or even if they have to cross the line.  Moral as mentioned in Adam Smith’s monumental work is not important anymore.  Everyone tries to maximize their own interest.  This is one of the reasons why the student loans are complex and impossible to handle.  It may need supermen and superheroes combined to get it fix.  However, both superheroes and supermen are found in the fiction books.  Therefore, in reality, it is almost impossible to find solutions for the loan debts.  It may take the two sides of the aisle work together to solve this issue before it gets out-of-control.