Honestly, I haven't either.
I do know that folks have paid ridiculous amounts of interest and crippled by the payments.
I also know the loan process was predatory in cases, and in other cases, people made poor decisions.
My framework might solve, but haven't gone into it past a superficial level.
If you aren't doing engineering, business or medicine you may be fucked.
Psychology, sociology, chemistry, physics etc are all dead ends save the gifted few.
I went to school with a guy who's brother was a PHD in some esoteric particle physics, crazy brilliant, skipped two grades. He is an insurance adjuster. He was in school for 10 plus years and probably amassed over 150k in debt.