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Yes, that's how demand works.
The way to drastically reduce medical expenses and thus debt is deregulating health.
From what I remember, you need to have quite a lot of things to become a doctor in the USA, even more to run a related business, and most of those are not about education. So the "supply" here is relatively low.
Also to make education (including medical education, which means - supply again) more affordable the government should just stop subsidizing student loans.
It may have some fixed sum per student allocated, which may be paid for a place, which can be awarded to students from poorer families or something. The "fixed" and "paid for a whole place" parts are important, otherwise this will work just like subsidizing loans - by inflating prices further.
Ah yes, just what the healthcare industry needs, LESS regulation. That’ll keep those for profit companies from gouging people for the life saving measures they need to not die.
Now they are using regulations so that you wouldn't have choice.
Yes, corporate lobbying is a huge problem here and is often used as a weapon to stifle competition and increase profits. At times it’s hard to remember what regulations are meant to do: Protect People from Corporations
We don’t need to remove regulations, we need to improve them.
Historically they were introduced to protect corporations from people. Well, sometimes some collective interests from other collective interests.
It's an arms race, and one side has more resources than the other.