I think colleges do it for cachet, but finance companies do it for ROI. Think about the business models...The college business model depends on maintaining pre

I think colleges do it for cachet, but finance companies do it for ROI. Think about the business models...The college business model depends on maintaining prestige to continuously attract applicants willing to pay high admission rates. The finance business model uses money to make more money, and the risk to reward ration can be swayed depending on decisions made by certain individuals.