There are two initiatives that can dramatically change the way college pricing and student debt are being handled under the current system. Both are commonsense solutions that would, if accepted, dramatically help students, graduates and families burdened by the cost of tuition and the loans they take to earn their degrees. First, income-based loan repayment (IBR) should be the default mechanism for student loans to be paid off. Second, a temporary exemption to federal antitrust laws would allow colleges to speak with one another about a sector-wide reduction of the gross price. These two initiatives are presented in this article.