Thing is the burden of loans is also a factor in why we usually have a deficit in public defenders and almost no MD family medicine practitioners in rural america (this is why nurse FNPs are becoming a greater proportion of family medicine providers in the last half decade). Heavy loan debt means that individuals that wanted to go into public service likely don't and instead go for higher paying positions within the bougie systems (i.e. your anesthetic nurses, NPs going into derm, physicians getting more into geriatric surgical specialties or just selling literal snake oil to elderly/desperate people). Loan debt is itself an evil of this systems and causes with it a cascading spiderweb of misery that varies but is always due to enforcing financial precarity upon people no matter their position as long as they are a worker selling their labor no matter what it is.