This is stupid Al Franken feel good window dressing crap. They do this already in financial aid circles. They sit you down and counsel you about it with a bunch of crap that doesn't make a difference to an 18 to 22 year old. How about they post their success rates and feasibility at paying off the loans based on course of study, and success rates of the alumni, and the salary averages at graduation, 5 and 10 years afterward. One damn form isn't going to fix anything.