That's obvious. Americans owe $1.3 trillion in student loans. More than seven million borrowers are in default, and millions more are behind on their payments. But, if you look at other countries they don't have the same problems. First of all, our students have ten years to pay off their loan, in Europe some countries expect payment over thirty years.
And payments there are based on the graduate's income, starting low and increasing as salaries increase. In the United States, payments do not adjust automatically; they are based on the previous year’s income and are flat for a year. If borrowers’ earnings fluctuate during the year and they want to adjust payments, they must fill out new paperwork, and that can take months.
It looks like a relatively easy problem to solve.