> I don't even know how you would begin to definitively determine that for the lifetime of a person, much less denying something which is handed out freely in o

> I don't even know how you would begin to definitively determine that for the lifetime of a person, much less denying something which is handed out freely in other countries. I believe there is already data out there that correlates a specific college degree with average income post-graduation. Lenders should require degree focus and inversely scale interest to expected income. Getting a loan at 14% to major in history might steer people towards engineering, nursing, or go into a trade. Think of it like how the US does credit scores: the lower the score the higher the interest rate.