Yea, you're right. I would say it's in part the disparity between the scale of the fixed cost and the amount of qualification that is predatory. As in, if it w

Yea, you're right. I would say it's in part the disparity between the scale of the fixed cost and the amount of qualification that is predatory. As in, if it was a loan for only $1000, it's certainly more ok to do less qualification. Versus if you were saddling a student with a loan of $40,000, you should probably be very careful.