Reform Student Loan Consolidations on Private & Federal Level, enact laws that force banks to offer consolidation loans

Set up a program for Both Banks and Student Borrowers that will assist Young Adults with a need to Consolidate Private and Federal Loans, Create a a system where the Young Adult can achieve a payment without default. Currently Private Loan consolidation is about obsolete, force the banks to help this mounting debt. Student debt is higher than Mortgage debt. They are our Future.Get Creative:
1. Build a Program for Private & Federal Loans
2. Force Accountability by the Bank and the Student
3. Incorporate the ability to achieve the payment in set/ sliding/ and variable options
4. Use a fair Credit Score of the student
5. Create incentive for prompt payment, and create a program for situational problems: Layoff, unemployment.