Debt in student loans

According to the New York Times editorial on student loans, the default rate has decreased since 2012, yet with such a decrease- loans still dominate the economic infrastructure of attending college. The audience is mainly focused on students ranging from a simple associates to masters degree's, While this article aims at making an obvious point on how hard debt affects a younger group of people, it does not miss the main question. How do we change or limit the payment plans for students before going into debt? As substantial evidence is present, the evidence can't escape the fact that many loans in the long run ruin any chances of acquiring necessary things in life, such as a home or car and so on (in regards to building credit). The logic presented highlights the cause and effect of students borrowing money, the solution (as the article points out) would be to be more flexible with payment plans. Yet the solution to the big question almost falls short because of profit earning schools manipulating whats written down on paper with regards of economic interest. Furthermore as the article suggests, the government should have a definite say in how schools present themselves on paper when it comes to granting any sort of aid instead if changing how they're presented to the public. While bigger schools maintain an illusion, behind the walls students are ruining their future with debt.
 I site this sources as very strongly opinionated and passionate about student funding and never the less agree with changing the way America deals with college debt.