Webwork - 1:54 pm on Sep 6, 2011 (gmt 0) [edited by: Webwork at 2:00 pm (utc) on Sep 6, 2011]
Anything that anyone has ever "done to exploit" Google/Bing/AnySE has a predictable shelf life, i.e., inevitable failure comes with the exploit . . mostly . . and in its own due time . .
"Prime" keyword domains - Money.tld, Travel.tld, College(s).tld, StudentLoans.tld, Hotels.tld, MortgageLoans.tld, FreeWhatever.tld - will very likely have staying power "for all purposes" - if reasonably well developed - and will likely curry some degree of "incidental benefit" from SE algorithms, but not because the website name - in this case a keyword domain - was intended to exploit an algorithm.
As long as student loans or home loans are known by those names/phrases I would much prefer to own and operate a website by that same name, with the tld attached, because of other benefits besides some inherent ranking benefit. In the end, it may well be such thinking - and development - that inevitably leads to sites with keyword domain names ranking because of their issue-relevance staying power (students needing loans), relevant keywords (why not 1 of 200 ranking factors?), instant brandability (reduced brand development budget, post domain acquisition), clarity (of site purpose), billboardableness, audio-friendliness, anchor text=keyword-domain=clarity=more-clicks, etc.
That said, I wouldn't count on the durability of this-keyword-domain-for-free.tld sites . . but you never know when an algo might hiccup. ;P
[edited by: Webwork at 2:00 pm (utc) on Sep 6, 2011]