Universities should issue the loans themselves so that they have an incentive to deliver a quality, useful education that has value in the marketplace to guaran

Universities should issue the loans themselves so that they have an incentive to deliver a quality, useful education that has value in the marketplace to guarantee their repayment. Or make the education free and a % of each graduate's future earnings (up to some max $ amount or limit it to 20 years after graduation) are paid back into the endowment to fund future students.