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Notes -
The issue is that only by removing the government from the loan business would you have any need for underwriting of any sort. As it stands, no matter what happens after the prospective student signs the loan, the college and the financial institutions are guaranteed the money. If I take out a loan to attend the university of Virginia, everyone involved at present is guaranteed the money even if I never attend class or do anything related. Until that changes there’s no reason to vet anything. It doesn’t protect them because they get the money provided I sign a loan and sign up for class. Forgiveness doesn’t change that, it simply changes the payer from the students to the government.
If there were a risk, there’d be reason to vet students. If they admit unserious or unprepared students, they potentially lose money when those students don’t get jobs after college. If they teach poorly enough that employers don’t want that schools graduates, they lose as well. If they admit lots of students who study trivial things, they’re out the money.
That would be the whole point of underwriting. To not fund high risk borrowers / disciplines / institutions. The remaining confirming loans could be sold off to a GSE to service after a period.
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