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I think student loan and healthcare debt is immoral. No civilized first world country should be bankrupting it's citizens with debt from getting education or healthcare.
On what basis you say it's immoral? It's moral on the behalf both Tanakh, the Bible and Quoran.
Healthcare debt could be considered to be under duress. At what point are you "physically forced" to sign? Does "accept this medical treatment or die" make the cut?
Don't reinvent the oldest laws in the world. Just read it... No, you're are not forced by anyone, just living with consequences of your choices in most cases. Most of cancers and diseases today are the ones because of our eating and living habits. There are very few inherited ones