Both Bernie Sanders and Elizabeth Warren want to cancel $1.6 trillion in student-loan debt. <br />But, according to a Business Insider opinion piece, neither of their plans address a big underlying cause for the crisis.<br />Federally guaranteed loans incentivize colleges to continue to raise tuition. <br />Business Insider writer Anthony L. Fisher explains, "If the government curbed its seemingly boundless supply of student-loan funds, tuition costs would almost certainly drop as a result.