And then the top 20 schools will only end up taking rich kids whose parents can pay/co-sign as I highly doubt they would massively cut costs and perceptibly decrease their rankings to make it cheap enough that lenders would risk giving loans to poor kids.
So I calculate da possible total cost that could be done in [0]. University of Chicago has an average cost of tuition after aid at $27,315 and that does not even include housing or food! 1-(15000/(27,315*4)) = a 86% reduction in costs and then you have to use the $665.6 of your weekend target money for food and shelter. They wouldn't even try.