<p>^^ That policy would end up being discriminatory to a whole class of students because you are not judging the credit worthiness of the individual. What I suspect you would find is that repayment would be best at the schools where students have more family resources or where students graduate and have high-paying jobs (so elite schools and engineering schools)-- and students at those schools will be disproportionately white and upper-class. Schools where students struggle to get through, with lower graduation rates and where families can’t help make payments, are more likely to enroll African-American and Hispanic students. The purpose of student loans is to make college affordable to all. Students whose families have good credit and good income can already side-step some student loans if they wish by taking out private loans or second mortgages at lower interest rates.</p>