Just because loans cannot be discharged in bankruptcy doesn't mean they are risk free. Some people die before repaying their debts, some people leave the countr

Just because loans cannot be discharged in bankruptcy doesn't mean they are risk free. Some people die before repaying their debts, some people leave the country or otherwise become impossible to track down. In these cases, the bank eats the cost of the loan and has to make it up on other loans. risk is limited not eliminated.