It would likely coerce poor Americans into selling their kidneys to the wealthy so that they could pay off their student debt. Is coercing the poor to sell their organs to the rich a net benefit for society?

For anyone who thinks this is hyperbole, ProPublica has done excellent work investigating how lenders use the court system to imprison Americans who can't pay back their debts: https://www.google.com/search?q=propublica+debtors+prisons