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We're at university together <a href=" http://www.justicanostrilhos.org/where-to-buy-xenical-over-the-counter ">xenical to buy ng</a> We don't, he believes, simply need to evaluate (or not evaluate) the student. We also need to look to the institution, and financially penalize them if students get in over their heads and can't pay their bills. That will give them an incentive to both minimize loans, as well as ensure they steer students toward the ones with the lowest interest rates. "Colleges should have some skin in the game," he says. "There are colleges with higher default rates than graduation rates."