Short story idea: dystopia repo.edu

Sam is unable to repay student loans despite having a fairly decent job, nice apartment, fast car, and material excess. Sam starts noticing his every movement is being watched and discovers that he’s being tracked by a repoman. He uses elaborate schemes to secure all of his material wealth and finally confronts the repoman only to discover that the repoman was merely tracking him and waiting for his default on his student loans so that he could repo Sam’s education. The repoman repos Sam’s education, leaving Sam with a knowledge base that’s 8 years in the past. Meanwhile, the repoman is part of an elite group of humans becoming super intelligent as they repo the education of millions of students around the globe and put that knowledge into their own minds.