I agree to a point. The problem is that the government issues loans based on whether or not your going to college, and how much you can adequately contribute up front for your education. Not based on what program you're entering. There's not so much a premium set on forcing an 18 year old to take a route into studying neuroscience or something as there is on just getting that student into school itself.
And it's a touchy subject too... Should kids be forced at 18 to choose a program of study?
There's something interesting I've I've discovered about Korea. They have a 2 year compulsory military service, which somewhat forces their populace to 'grow up' and learn discipline - which honestly, as I've seen from every Korean student I've met, has given them more than adequate time to become an actual adult before entering college, rather than entering as the spoiled materialistic blowhards that come out of high school these days.
Ive noticed most every Korean Exchange student I've grown to know seems to know nearly exactly what they want to go into, or at least be motivated with whatever they have decided on. They work their butts off and seemingly have a nearly inhuman ability to stay up for days on end, but besides that, they have a motivation that our students seem to lack. They are all 20+ years old for the most part, and all seem quite mature for their ages. They aren't 18 year old kids who just want to party. They got all that out of the way in high school and their military years. It's just a different society because of it.
I'm not saying we should conscript military - not in the least... but I do think perhaps we should explore ideas to get our populace in the right direction as far as how ready for college we are on a maturity level.
I took two years off of college, went skiing, got my partying out of my way for the most part, and explored the world a bit. My experiences during that time were fantastic as far as helping me learn about the job market, interpersonal social relationships, as well as just how things work in general.
Perhaps we should make it more customary to take a year off halfway through, or at the start of our collegiate careers to work, live, and learn? compulsory work experience? Perhaps loan incentives to those who have more work experience?
Just an brainstorm.