I thought that was a pretty good idea so I looked to see if it was legal and lo and behold: https://www.upstart.com/ https://www.upstart.com/ A startup exists

I thought that was a pretty good idea so I looked to see if it was legal and lo and behold: https://www.upstart.com/ https://www.upstart.com/ A startup exists which refinances loans based on college major and SAT scores