You neglect the part where tax payers have created and funded state colleges which benefit from tax payer subsidized/guaranteed student loans given to tax paying students.

When the government removes itself from the higher education business, I could get on board with your philosophy. As long as the government is completely intertwined with higher education, they're going to have to shoulder at least some of the burden of the mess they've helped create.

Pay the bank interest to get an education. Pay the bank interest to own a car. Pay the bank interest to buy the house. Pay the bank more interest because your down payment wasn't large enough. Now pay the bank interest to make a miniscule dent on climate change.

Maybe we should just bring back indentured servitude while we're at at.