Presumably you could. It is money granted to each person without strings. Not sure how you could avoid it. A better questions would be whether the courts could

Presumably you could. It is money granted to each person without strings. Not sure how you could avoid it. A better questions would be whether the courts could impose UBI garnishing similar to wage garnishing. I would presume not and hence giving a loan to someone would have to be with the knowledge that the government would not force repayment with UBI funds. It gets back to an issue of whether someone has a history of responsible payments, something which would be more in a person's control with a guaranteed flow of UBI. I view UBI as a way to help ease the debt of many people, particularly those incurred because of lost wages (loss of job, illness). It could also ease the college debt issues because we could stop subsidizing college costs, leading to decreased tuition, and instead the colleges would have to compete with other uses of this money, something they do not have to do with direct college support programs.