Student loan system

Write a critical thinking essay based on this topic where I have to give different views in this critical thinking essay as is the student loans debt system working, how is it affecting the economy, good or bad and why for each, how is it affecting the students mental health and how it affects students and maybe also their families. I have to come up with a conclusion at the conclusion paragraph. It should have a lot of critical thinking. You should access sources via my uni library and I will send you pictures off a book that I am supposed to reference from. The assignment needs to be done in Harvard referencing and has as many references as possible.