Let me explain: The plaintruth is that no federal student loan borrower who acts in good faith to repay should ever have to default, given their current rights to make the debt more manageable.
But let's face it: Any measures that include rewards and sanctions, gold stars and interventions, praise and embarrassment, even determinations about the future of entire institutions and those who work in them -- any and all such measures invite tampering by those who have reason to seek better results than the plaintruth reveals.