[gwright]

My favorite example in this space is college tuition/room/board. This seems to be the only example of a service in which you have to share all your financial details with the vendor and then they will tell you how much it is going to cost.

[actionablefiber]

Many types of loans you can take out, where approval and interest are dependent on your credit history and assets, and also your tax burden to the government, are kind of like that too. Really anything where the amount charged varies with your ability to pay.

[gwright]

OK, but room/board/tuition is not a loan. The college is determining a discount, not the ability to pay back a loan.