Also - what about the agency of students (and their parents) when deciding which school to attend and whether or not they can afford the loan? This article make

Also - what about the agency of students (and their parents) when deciding which school to attend and whether or not they can afford the loan? This article makes it sound as if it's purely the amount the lender is will to loan that determines the market price, but I would imagine the amount the student is willing to borrow must also play a pretty significant part.