I think it makes a lot of sense to have a simple model that predicts ability to repay and to not give out loans to people who won't be able to pay them back. Bu

I think it makes a lot of sense to have a simple model that predicts ability to repay and to not give out loans to people who won't be able to pay them back. But that would have to happen at a federal level, and imagine being the politician who pushes that through. Until that happens the universities won't care, so it would have to be a societal shift.