[npwalters]

I agree with all who state that a student loan is the responsibility of the person that undertook it. I cant see how it is right to ask many who did not go to college to subsidize through taxes those that did.

To the individual that states only the government may make student loans this is from Wikipedia.

The main types of student loans in the United States are the following:
Federal student loans made to students directly (Stafford and Perkins loans).[28] These loans are made regardless of credit history (most students have no credit history); approval is automatic if the student meets program requirements. The student makes no payments while enrolled in at least half-time studies. If a student drops below half time or graduates, there is a six-month grace period. If the student re-enrolls in at least half-time status, the loans are deferred, but when they drop below half time again they no longer have access to a grace period and repayment must begin. All Perkins loans and some undergraduate Stafford loans receive subsidies from the federal government. Amounts of both subsidized and unsubsidized loans are limited.
There are many deferments and a number of forbearances (cancellation of loan) one can get in the Direct Loan program.[29] For those who are disabled, there is also the possibility of 100% loan discharge (cancellation of loan).[30] Due to changes by the Higher Education Opportunity Act of 2008, it became easier to get one of these discharges after July 1, 2010.[31] There are loan forgiveness provisions for teachers in specific critical subjects or in a school with more than 30% of its students on reduced-price lunch (a common measure of poverty), and qualify for loan forgiveness of all their Stafford, Perkins, and Federal Family Education Loan Program loans totalling up to $77,500.[32] In addition, any person employed full-time (in any position) by any 501(c)(3) non-profit, or another qualifying public service organization, or serving in a full-time AmeriCorps or Peace Corps position,[33] qualifies for loan forgiveness (cancellation) after 120 qualifying payments. The 120 qualifying monthly payments do not need to be consecutive; they can be interrupted without penalty if there is a period of employment with a nonqualifying employer,.[34][35] However, loan forgivenesses or discharges are considered taxable income by the Internal Revenue Service under 26 U.S.C. 108(f).[36]

Federal student loans made to parents (PLUS loans):[37] Much higher limit, but payments start immediately. Credit history is considered; approval is not automatic.

Private student loans, made to students or parents: Higher limits and no payments until after graduation, although interest starts to accrue immediately and the deferred interest is added to the principal, so there is interest on the (deferred) interest (which Is not the case with subsidized student loans). Interest rates are higher than those of federal loans, which are set by the United States Congress. Private loans are, or should be, a last resort, when federal and other loan programs are exhausted. Any college financial aid officer will recommend you borrow the maximum under federal programs before turning to private loans.[38]