"If students could only get loans based on parental credit, tuitions at places like NYU would collapse." Perhaps there could be another way of doing it - perha

"If students could only get loans based on parental credit, tuitions at places like NYU would collapse." Perhaps there could be another way of doing it - perhaps only allowing a threshold for the loan? If you cap the subsidy to average in-state tuition plus expenses, you will go a long way to solving the problem too.