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Not getting student loan relief is a maintaining of the status quo, not a "hellish dictatorship". In fact, having the Congress and Courts strike down student loan relief is the POLAR OPPOSITE of a dictatorship.
A lot of it isn't what people are smart enough to do, lots of people get tricked into loans they can't pay back.
When our kid went to college, 3 separate schools wanted us taking out loans of $56,000 a year... $224,000 for a 4 year degree...
We told them "Yeah, no..." and enrolled him at a state school for $10K a year, where he had a $5k per year scholarship. I paid the remaining $5K cash.
But I could see other parents, after getting 3 schools telling them the same oddly specific number "Well, I guess that's what school costs!"