Thank you for calling it "P2P" instead of "collaborative consumption" or "sharing economy." Regarding the startup itself, I wish them luck (but I am skeptical

Thank you for calling it "P2P" instead of "collaborative consumption" or "sharing economy." Regarding the startup itself, I wish them luck (but I am skeptical because lending at less than the government rate combined with the loans being dischargeable (I assume) in bankruptcy = not a good investment for the lenders = unsustainable business model, at least at scale. I mean if it is just rich people giving money to students, great, but that's a scholarship or grant, not a loan.