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Alternatives that are there. Senator crapo. The private sector markets are contracting. Im concerned that this reduces student bar options. Could you describe the current state of the private student loan market and how that compares to the market and made a claim why we are seeing this dynamic . Thank you very much for the question. We have gone from a 24 billion industry to about an 8 billion industry. And yet performance rating for many of her banks have exited Student Lending business. There are few others thinking about it. We have a 3 default rate. We flip the equation. We dont want to look at a refinancing option. We dont need to because we do all the work at the front end. We make sure we have an ability to repay. Theres nothing worse than telling a student at the very beginning of the crew were not sure you can afford the loan we are about to give you. We do have selfsegregation 90 some of our loans are certified by the institution. When there is a time to repay the loan, we w

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