With the Federal government guaranteeing most of the student loan debt, wouldn't option A be the same as option B?
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With the Federal government guaranteeing most of the student loan debt, wouldn't option A be the same as option B?
Probably, but when you make the rules you can also rewrite the rules.
The dollar amount is large enough, that I would think the risk would be spread out amongst multiple parties in attempt to avoid collapse in either the government or the financial sector.