My university had a policy that a large (can’t remember the number) percentage of one’s credits had to come from the university (as opposed to other universities) for one to graduate. If that sort of policy is common (which seems likely) dropping out and switching to a different university would involve signing oneself up for extra credits and therefore extra debt.
Found another for your list (in fact, it was latently on your list): Lenders/Lender’s
Resume status: RIDDLED.
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