Quite simply end the current financing cartel of student loans for all and make it more practical for students that graduate high school to ease their way into college more so. Have more courses available for high school students that show the aptitude and maturity through teacher's recommendations to move to that next level. There is absolutely nothing wrong with working for a semester or two prior to going to college plus it gives many people a base and an outlook for what they really want to do. I have personally thought a program at birth in the United States, something like an endowment, of let's say $10k (today) inside a very conservative financial vehicle that is outward looking at least 15 years down the road could start a "general welfare fund" that is similar to a 401k and/or other things out there currently. Buying nursing home insurance, disability insurance, and other emergency needs for down the road would be likely ridiculously dirt cheap and almost certainly even **less** than what that account would receive on interest over the course of say their first 20 years, and at age 21 having it begin to vest for down payments on future endeavors like say, college loans. Having a locked in amount of time at which the youth works at a credit towards that debt when they reach the age of 14, and have a minimum of say their first 2,000 hours worked would pay this off (with the employee having an option to also pay this down with separate funds earned even more quickly), as the employers to pays them a fixed wage to offset the balance of this interest free loan via the government (or even a higher actual wage the employer feels they are worth) to the employee in cash payments to the employed youth at the time.
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