Parents and trusted adults have spent a generation allowing (encouraging, even) children to make make major financial decisions that they are not equipped to make?
In the current set-up, it it entirely possible for someone of little means to pay for a quality education that will lead to great employment prospects.
But when you give 18 year olds that have never had a job or paid a bill access to endless amounts of cash, some really bad decisions happen (loans for private or for-profit schools, stupid majors, not graduating, taking forever to graduate, bloated lifestyle expenses, etc).
Any "solution" proposed that does not involve stopping or heavily, heavily regulating the current system of taxpayers backing predatory loans to 18 year olds is not one I can take seriously. If we don't stop dumping funny money into the system, then keeping college costs in check is just a pipe dream.
Won't happen, of course, because too many people one both sides of the aisle are feasting off these kids.