I don't think student loans are the rich conspiring against the poor, that's reserved for basically every major piece of Republican legislation.
The student loan problem, IMO, is actually more of the fault of the left. In my experience, the left often has their heart in the right place but their policies aren't forward thinking enough to anticipate problems caused by overindulgence. The student loan problem started because we created a no-strings-attached trough of money for colleges. All colleges had to do was bang the drum of demand (using many of the same arguments you made) to create the perception that college was necessary. Once demand was high enough they rapidly escalated the prices, dumbed down the admissions, encouraged the process to take longer, invested in non-academic selling points at a much higher rate, ballooned their middle management to handle the student population, and became less an institution of higher learning and more like a Walmart for sheepskins.
Now we pay more, for much less, and no one seems to have the problem pinned down: available student loans need to be completely reworked. Starting with demanding that the biggest of the bad actors - the colleges - are held account. Colleges have exploited young people for about 4 decades now and they continually walk away from these discussions without the proper blame. That's the part you won't hear from Bernie or others who are rightly targeting this issue, but with all the wrong solutions.