I'm sorry, but none of that makes sense. No one can repo a vehicle unless he has title and anyone with title can repo a vehicle regardless of where the money ca

I'm sorry, but none of that makes sense. No one can repo a vehicle unless he has title and anyone with title can repo a vehicle regardless of where the money came from. No student lender has title to a financed vehicle, even if the student used his loaned cash as part of the downpayment. Title to financed vehicles is held by the lender until the loan is satisfied in full. No buyer can "sign over a car" to someone without that title, for it is the title document itself which must be "signed over" in order to transfer ownership. And no dealerships receive "kickbacks" of any kind. There are plenty of hidden and confusing ways that car dealers make money, but kickbacks from lenders or anyone else are not part of it.