Peter Zuckerman (Wachtell, Lipton, Rosen & Katz, New York), Note, Ending Student Loan Exceptionalism: The Case for Risk-Based Pricing and Dischargeability, 126 Harv. L. Rev. 587 (2012):

This Note proposes a two-part solution to the growing student loan crisis associated with higher education in general and law schools in particular. On the front end, it argues that student loans should be priced in a risk-based manner that would dissuade many individuals, including those thinking of attending law school, from assuming what proves to be unmanageable debt. On the back end, it argues that student debt that has been assumed and proven unmanageable should be more easily dischargeable in bankruptcy.