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Should be returned entirely to the private sector where banks and lenders there on the line if the loan's not paid. the idea of dan's and others to have the university have skin in the game is good, and also how about transparency? students have less transparency about what they owe in payments like that than you do on your credit card or your mortgage. there's a good documentary out from a thing called izzit.org on the whole lending thing. if you borrow $40,000, $10,000 a year for 4 years, you think you owe 40? no, the interest charges, it's 47. to dan's point, it's a good educational documen...