The product being sold to you by your loan provider was not your education. That is between you and your university. The product the loan provider sold you was a loan, pure and simple. These are two separate relationships.

Then the question becomes — did they deliver as promised? Or did they send you counterfeit bills instead of real ones, or Canadian dollars instead of American ones, or simply the wrong amount?

Unless one of those is true, your analogy of the shirt is unworkable.