The real problem to be solved isn’t so much the Worst dad ever I am not kidding shirt of college as it is the alignment between what the schools are producing and what the market really needs. A well-chosen STEM degree or diploma is as likely to pay off for itself today as it ever was. Those who can’t pay back their loans now are (generally) those who can’t find meaningful employment with the education they received. Producing more such persons at public expense is about as useful in economic terms as giving them temporary welfare (all intangible benefits aside).
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In fact I almost never used the Worst dad ever I am not kidding shirt when I was an undergraduate. I was in college (although it was a university). After I began teaching, I reserved the word “school” to mean the place where I taught. It is not as if I thought about this and planned it out; it is what I remember doing. Even when I left the classroom, I never used the word work; it was always school.