I’m amused at the idea of going in as a group with your class. Getting other students to guarantee your obligations... I can’t quite figure out the natural cons

I’m amused at the idea of going in as a group with your class. Getting other students to guarantee your obligations... I can’t quite figure out the natural consequences for, say a class of engineers or a class of English majors. For some domains you would expect a certain rate of inability to pay. In others you would expect a certain amount of income superstars.