There was a program when I went to school that basically said, if we maintained a certain GPA, and participated in X number of approved activities, the university would be willing to fund a year of grad school if we didn't get a job when we graduated.
Not a bad option.
Nevertheless, I have a 2 part plan to solve this crisis:
1) We instill a traditional Japanese code of honor and shame for the HS/college age kids. That way if they fail to get a job when they graduate, they have brought shame to their family and harikari is the only honorable course of action.
2) Or, JiA can shoot anyone in head that whines about school loans.
Either way it's a 2 front win:
1) I don't have to listen to BS whining about loans
2) People will stop giving loans to kids who are likely to be dead after they graduate.