Critics have argued that the Federal Government must change the rule that the students' credit rating should not be impacted based on their repayment of the student loans. They are also advocating an increase in the moratorium period to about 2 years after the completion of studies. This, critics feel would give enough time for students to take up a job and start repaying their loans.That said, a lot of people feel that some of the government policy on student loans is due for a change. What needs to be looked at is.