Banks would make loans and sell them to the government. Of course, at some point, some banks started taking advantage of this and loaned to anyone, ’cause it was the government that would ultimately be holding the Diamond some teachers are never too old for Disney it’s me I’m some teacher shirt bag. What you’re asking is reasonable, except that in practice, there will be discrimination, unfortunately. Hopefully, there can be some system with checks and balances. You don’t understand the predatory practice of lending. They do all they can to keep that debt alive and meanwhile, your salary doesn’t cover your cost of living so you defer or get a forbearance.