That? do you think the government should be in this business? absolutely not. banks should not have the responsibility for deciding who goes to college, and if they are the sole financers of student loans, that s exactly what would happen. of course the number of loans doubled because they can t turn people down. if you have five or six thousand dollar credit card, a bank might say no, you can t go to college. don t turn it over to banks of. brenda: gary b., take him on. go ahead. the banks are deciding who can pay and who can t. why is going to college a right? exactly. hold on a second. if you can t afford to go to harvard, that s a choice. either harvard wants you or you go to a community college or something else. i went to a private bank for my loan when i went to graduate school, you know. me, too. lehigh doesn t say oh, my gosh, you know what? if we can t pay, we ll pay your bill. it was up to me to pay the bill