that and itll be hard to justify the interest lost on a loan to a college student...someone that loans $100k to a student and doesn't get paid back for 8 years is losing all the interest s/he would have earned if they had kept that money in a CD or some other low interest earning instrument...thats almost $40k? it would have to be set up so that students can take small aggregate loans that are then "bundled" and paid back...it wont be easy but they have a good idea