Hmm... the way that the loan system was explained to me, you don't have to pay any money back until you finish the program - no? As to the name thing, well, there is more than one Jason Cowan in the world let me tell you - I met one in an emergency waiting room where I live. Besides, everyone I know, already knows my plans, and stalkers might find my residence vacated should I take Xavier up on the offer... Not an ideal candidate for stalking really, but I see your point nonetheless.

Credit rating? Well can't you just punch that in now that you've got my name? No problems there as far as I know. I just want to study medicine. Is there a school out there, somewhere in the world, that will let me follow my dream?

The best way to make me mad? Tell me there's a doctor shortage. I wonder if those medical program seats are gold-plated...