There's been a lot recently about the explosion of tuition burdens. And the ways in which the student loan system is mostly setup to benefit the banks (and to the Feds it's also a positive revenue source).

Is this a sort of step towards civil disobedience? If enough people took this step, would the system change? For the better?

Although I do wonder if the system would change quicker if people refused the costs, refused the loans and made it without higher education until things are reformed.

Neither path is very smooth for the person doing it. Not sure if either will help change things.