Cap Interest accumulation to 10% or so of principle & prohibit the combining of interest & principle for Student Loans.

Repaying college tuition is getting harder and harder these days. While not much can be done with the pricing of colleges, one thing that might be doable is to handle the interest which often evaluates the price of student loans to even more absurd levels. So I propose that interest accumulation should never (for student loans at least) exceed 10%, or some static percentage, of the principle of the loan and the combining of interest into the principle should also be forbidden. Further more any and all late fees should also be limited to a percentage of the principle as well. Banks shouldn't be the only ones protected.