Should taxpayers fund any and every choice in school and/or major?

[sanantone]

Some have proposed that we end government-backed loans because it'll force colleges to lower their tuition.

I'm one of them. Plus I'd replace Pell grants with a dollar for dollar refundable tax credit, killing Title IV altogether and ending the feds' incentive to subvert accreditors into being financial aid gatekeepers.

A few things that come to mind.

1. Poor, young students wouldn't have money upfront. Sure, Walmart and Target will pay for your tuition, but we can't expect millions of college students to work at a handful of companies. Not to mention that getting a job at these companies isn't guaranteed. Walmart and Target wouldn't even give me an interview. LOL. 

2. Who would be the gatekeepers for the tax credit? Would students get a refund for attending unaccredited schools? Wouldn't that incentivize more companies to create diploma mills and questionable bootcamps? 

3. If tuition becomes tied to employment like health insurance is, what would happen during periods of high unemployment?