The most effective ads I’ve seen in my lifetime have been podcast ads. I don’t remember shit I see in mobile apps or on most corners of the internet. I could personally sell Blue Apron or Harry’s Razors for all I’ve heard about them on podcasts though. The smartest companies allow the podcasters to joke around in their ads too. My Brother, My Brother, and Me will say some borderline offensive but hilarious stuff in their ads and I’ll be damned if it doesn’t keep me listening to their ads and hearing about the products being advertised.
The only way that could conceivably work out is if everyone collectively protested their student loans together since it’s such a massive problem for so many people. Even then, the government would probably buckle down and try to destroy half the country’s financial viability before they caved and admitted this toxic industry preyed on kids that didn’t know what that debt meant when they signed up for it.