An AI ethics review identifies that a student loan refinancing model assigns lower interest rates to graduates of highly-ranked universities. Which ethical concern does this MOST directly raise?

B is correct because university prestige strongly correlates with family wealth and socioeconomic status — using it in lending decisions may perpetuate structural class inequality and could correlate with race given historical disparities in elite university access. A is a data volume concern. C is a legal/regulatory question but secondary to the ethical concern. D is a competitive fairness concern, not an ethical concern about individual impact.