Should universities be held financially accountable if graduates, with degrees leading to lower income jobs, default on their student loans?

Yes but we should close courses that are not traditional courses. Such as gender studies and any studies which push Marxist intellectual thinking as fact.

No, but students should be given a dynamic risk score of the likelihood of getting a career if they pick a course. For example if you pick up art, it's unlikely you will be the next Van Gogh. If you pick a teaching degree, you're likely to become a teacher.

There are to many silly University courses, and when graduates finish Uni, there a few jobs but 1000’s of applicants almost impossible to get a good job in the UK, so Uni is a scam.
Also the UK does not have an economy so they should sort that out first, but should introduce more apprenticeship rather than University courses

No but students should be allowed leaner payment terms where applicable and monitored so when they have jobs with which they can pay the loans of at those lower terms the payments can start

"Student Loans" should be funded upfront by the govt and not sold on the secondary market, it should also be impossible to "default" against a student loan

No, but universities need to be made aware of these graduates so that support can be offered in finding a higher income job.

For British students, degrees they study should be proportionately matched to their expected financial income as an aim and therefore be free. Not to be an excuse for a student to coast along, but a reasonable target. For foreign students - they should pay.