I agree with you that a better solution would be to ensure that they are well educated on financial obligations and what they have agreed to when they enter the student loans program.
An item to note is that, for the first six months post education, there is no expectation of payments. Then, if payments do not begin, a loan is delinquent after that six-month period. During the delinquent period, they are reported to the credit bureau.
If it extends beyond that, I think it's about nine months after—