not sure where I mentioned it should be tied to the "student's financial background". In fact it can be irrelavant. By the time student graduates, parents can s

not sure where I mentioned it should be tied to the "student's financial background". In fact it can be irrelavant. By the time student graduates, parents can say 'you are on your own', and the debt is still dangling. The only deciding factor needs to be the outcome which is the employability or ability to make money to repay debts. If the Outcome Rating for a program at a university is high, it means lower risk, and the university is responsible only for, say 10% of unpaid debt. If the Outcome Rating for a program at a university is low, it means higher risk, and the university takes a much higher responsibility for ~ 50% of unpaid debt.