I agree with this. As part of the underwriting for the loan the school has to have skin in the game and is responsible for at least some of the default and no e

I agree with this. As part of the underwriting for the loan the school has to have skin in the game and is responsible for at least some of the default and no extra recourse to go after the debtor beyond what the original lender already did. It would definitely change the admissions criteria for the better and also incentivize institutions to to spend more wisely.