This card is about slowing down your opponent without them really realising it. It's much like an actual student loan (own experience, sigh). The additional cost of 2credits might not look that impressing, but lets take a closer look. This card can slow down the runner in many different ways, so you have more of an opportunity to score your agenda's.
Economy events, Sure Gamble:
-Runner gains less of a profit (some economy events get pretty much useless like Easy Mark, Career Fair and Dirty Laundry).
-The event can't be used when the runner has 5 credits: He or she will have to have 7 credits before being able to use it. Maybe that doesn't seem like a lot, but it can really slow a runner down if the runner doesn't have (a lot of) economy cards set up. He might have to spend clicks to gain up to 7 credits before the runner could use the event to make more money.
Currents, Net Celebrity:
-It now takes the runner 3 runs, spread out over 3 turns, before this card gets profitable. By the time that happens you might have already been able to get rid of the current.
-Currents might not be worth the credits, since currents don't usually stick around for many rounds.
Cards such as Scrubbed (most likely profitable after 2 rounds), Traffic Jam, Itinerant Protesters and Hacktivist Meeting might just not be worth paying 4 credits for, since the currents won't stay in game that long.
As a form of protection from certain events:
You (probably) won't be able to stop certain attacks on your servers with this asset, but it will be taxing for the runner to keep playing the same events. Think events like from the silverware collection, Spooned, Forked and Knifed. Some events might get played with a few credits less (which can make all the difference) because of the tax they'd have to pay- think events like Vamp or Account Siphon and Running Interference. And don't forget it's taxing on Escher, Early Bird, Inside Job and Indexing.
-The downside of this card is the obvious, it only works on events that have already been played once during the game. -The low trashcost means you'll probably have to keep this at least under a somewhat protected server.