Higher education student loan debt has become a hot topic in the current political debate, with several presidential candidates calling for either full or partial student loan forgiveness. And as student loan debt levels reach historic highs, it is clear this is a problem worth solving. One only needs to look back to the Great Recession to see how widespread out-of-control debt can shock the entire U.S. economy. The student loan debt crisis does not exist within a vacuum, however, and can be compounded by several issues that also need addressing.

To begin with, we must address the skyrocketing costs for a college education in this nation. Long gone are the days for which a student could simply cover their educational expenses with a part-time

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