Who is muddying these waters?
My guess is the lender. And in the vast majority of cases these days, the lender is the government. The school doesn't have an incentive to hurt the success of their alumni, and the only party gaining from forcing (former) students to pay up is the government.
Sounds like Universities are now becoming lackeys for the Federal government. These days, the vast majority (80% - 90%) of student loans come directly from the Federal government. Private lenders were taking advantage of students, so the government stepped in and pretty much owns the market. And the government won't generally let you off the hook for these loans -- even through bankruptcy. The government wants its money back.
The same government that subsidizes student loans also sends grant money to the Universities. I'd bet dollars to donuts that the government is willing to put the squeeze on universities to find some way to force students to pay. It shouldn't surprise anyone to find out that the Feds might withhold funding from Universities if their students don't pay back loans.
Like the summary, and others, have pointed out: there's no good incentive for Universities to not send transcripts for students behind on their loan payments. So why else but pressure from the Federal government would Universities do something that harms their alumni and their reputation?
My wife was allowed to take her yogurt through security in her carry-on, even though it was more then 3oz of yogurt. The reason was she had put it in the freezer before the trip. Since it was still frozen, it didn't count as a liquid, and therefore wasn't subject to the usual rules.
Your TSA experience may vary, since there's certainly inconsistency in how rules are applied.
At the source of every error which is blamed on the computer you will find at least two human errors, including the error of blaming it on the computer.