Earlier quoted context omitted.
It absolutely works the same way. There are would be doctors everywhere who never got the chance because of their parent's mistakes, or misfortunes, because we've made higher education a privilege in the country.
At this point of extrapolating from second-order/third-order effects, what dosen't count as "social credit" to you? It seems that if society dosen't give everything you want, that's seen as coercion. The actual distinction here is between positive/negative rights. In OP's case, it's if even if you do have the money to do X thing, you are artifically not allowed to do so. That's a violation of negative rights. In your…
Please read it again. It was hypothesized that you could have a hard time getting a college loan if your parents had bad credit. Now, you could construct an argument for why that policy makes sense for credit issuers, such as 'statistics show that 87% of debtors' children go on to become debtors themselves'. But the underlying objection was that you shouldn't need to go into debt to get access to higher education in the first place, ie college should not be insanely expensive and you should be able to manage the academic and financial demands with a part time job.