That hasn't been true for a decade. There are still old private loans out there, but since 2010 student loans are directly made by the government, and make up a

That hasn't been true for a decade. There are still old private loans out there, but since 2010 student loans are directly made by the government, and make up almost all the market. You might have a secondary private loan, but you'd start with a govt. loan. https://studentaid.gov/ https://studentaid.gov/