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Yeah, I'm one of those. If credit checks like that were instituted there is absolutely zero chance I could have enrolled. My bank wouldn't give me 500 dollars to get my transmission fixed, much less the tens of thousands I need for a bachelor's. The solution is the nationalization of education. Fuck this nonsense. Public education from K-post doc. Let the rich have their Harvards and whatever, but we need good state schools and a new crop of federal colleges popping up all over rhe country, in addition to community colleges. For free. No questions asked. Do you make absolutely no money whatsoever? Study here. Are you literally Jeff Bezos? Who cares. Study here.
We also need to get back to the way things were a century ago or more, where students could just decide they wanted to know a thing, and then go learn that thing. No need to declare a major, or even enroll for a degree. Just go learn the things you want to learn. Education should be it's own reward, even if we also need it for other things. I'm not saying do away with degrees, just make it possible for people to audit classes, or use the resources of their local, public, universities.