We have done some work on student debt, and I could probably get some material sent to you.
What we have found is that student debt repayment depends on student employment after graduation. We've also found that women take approximately five years longer to pay their student debt because they often end up in lower-paying jobs after graduation. So all of this is linked to how much you earn after you come out of graduation, as much as it is to poor management.
I'm not aware that students are particularly poor managers of money, but I am aware that at the time they graduate they have substantial debt; and not only do they have to pay their debt, but they also have to live on whatever income they have. They will obviously be at the lowest earning peak in their careers, simply because they're just starting out.
So it's a sort of two-way thing, but I can certainly send you my recommendations.