If all your fellow high school students who didn't prepare for tests were magically granted admission and loans to go to a top 10 university, what percentage of them would you expect to have done well there and been able to repay their loan?
I assume the answer is greater than 0% and less than 100%. In which case, the second question is, what signal other than test scores could the top 10 universities use to accurately distinguish between those in your particular cohort who would most likely succeed and those who wouldn't?