For number 1, there really does need to be some wider reforms, but I fear that won't happen until the whole student loan paradigm crashes and burns. I had a couple of fully paid semesters that were 100% electives I had no interest in. I would have preferred to graduate a year earlier (and thus, a year richer) or take courses that were actually relevant. Problem is that universities talk out both sides of their mouth -- raking in huge amounts of cash like a corporation, feasting off guaranteed loans from 18 year olds, while espousing some nobler concept of education/enlightenment on the other hand.