The colleges should have to justify their loans. The colleges have no skin in the game, so they don't care if someone is taking out a 50k/year loan to get a sociology degree. The ROI isn't a factor for them.
Nobody make these folks get Sociology degrees or Black Studies, etc.
My college had Recreation and Leisure degrees.
Really dumb to major in that stuff but no one put a gun to their head.
You owe, you owe, it's off to work you go.
Lots of people work in jobs that have nothing to do with their college major.
I worked on an assembly line with a guy who had a masters in history.