"Practical wisdom, as he [Aristotle] conceives it, cannot be acquired solely by learning general rules. We must also acquire, through practice, those deliberative, emotional, and social skills that enable us to put our general understanding of well-being into practice in ways that are suitable to each occasion" (Aristotle's Ethics).
It is s known fact that we seek education TO BE knowledgeable; TO mature socially/emotionally, TO BE civilized human beings and thus navigate the real world with the comfort of money.
Then why should the means to reach these ends be complicated and expensive?
The answer to this question is not that simple, but there are renown universities who are making progress in providing affordable education.
Just recently, MIT initiated an online educational program that provides education free/ at low cost. This radical approach can change the way the current generation will advance themselves with less burden of student loans.
How about this idea inspires institutions to provide a hybrid education program by combining MOOCs, traditional classroom sessions, and final 1 year paid internship especially to those who deserve the most (low income communities).
By cutting higher educational costs via hybrid programs and allowing students to pay debts (if any) in 1 year internship and network for better job prospects will help reduce the increasing cost of student loan debt.
lets hope this come true!