Good comments skint man
The whole idea behind a credit history is for the lender to have some idea of your previous history of paying back what you have borrowed. However if the bank has another form of knowing you'll pay back what you owe i.e your parents house, then they won't be quite as worried about your individual record.
As for any ideas about ducking out on the bank or taking the money and running to another school that isn't OAT or Cabair.... I didn't see where this was mentioned so not sure why it came up but whatever the reason.... trying to con the bank in any way shape or form is rediculous and only helps to ruin it for everyone else. i.e people like me who have to have their loan now secured on parents property thanks to too many people deliberately going bankrupt.
CS