That's not a one-size-fits-all solution. Many 18 year olds will not be willing or capable of making a good financial long term decision regardless of education.
Mortgaging yourself into decades of indentured servitude shouldn't be an option that's available to young adults.
I actually beg to differ, most people who go into STEM for example have a pretty good understanding of their path and they are very smart 18 year olds who make really good decisions, but I agree that mortgages shouldn’t be like candies giving them to any kid. I agree that If banks were worried of not getting payed back, then maybe they would screen better, but still the issue of universities with bad incentives still remains there.
Mortgaging yourself into decades of indentured servitude shouldn't be an option that's available to young adults.