This announcement represents an administratively bizarre policy proposal that scores moderately on constitutional damage (A=21.79) but very high on distraction/hype (B=32.39, D=-10.6). Constitutional concerns include rule_of_law violations (statutory authority for Education Dept functions), separation of powers (executive reorganization without clear congressional authorization), and institutional capture (placing education finance under business-focused agency). The policy_change mechanism and federal scope with broad population impact justify significant modifiers. However, the B-score dominates due to extreme novelty and absurdist mismatch - the SBA has zero institutional competence, infrastructure, or statutory mandate for student loan administration. This creates massive media-friendliness and meme potential ('small business loans for big education debt'). Layer 2 strategic factors are strong: the sheer illogic creates institutional confusion and attention magnetism. High intentionality (11/15) reflects this appears designed to generate confusion and headlines rather than functional policy. The D-score of -10.6 places this firmly in List B territory - a high-distraction event that obscures more serious governance issues while creating administrative chaos that may have real but secondary constitutional implications.