What is YC about it? It's called a predatory private student loan.

Agreed.

It doesn't matter that I'm the one collecting interest instead of the bank--I've still set that student up to go forth and play zero sum games until they're out of debt, which is the kind of thing I'm wishing for a way to avoid.

> I've still set that student up to go forth and play zero sum games until they're out of debt, which is the kind of thing I'm wishing for a way to avoid.

You feel that society investing in education is a zero sum game?

Well most of YC is predatory pricing covered in a veneer of good intentions and tech.

There are things called Income Sharing Agreements that in theory better align the incentives of lenders and students.