system
A chat on subreddit /r/wallstreetbets
human
Seems consistent with the risk no? Why lend to an 18 year old about to enjoy four years of alcoholism when you can get a guaranteed return in treasuries? Hence the interest rate...

gpt
I was 17 so they had my mom cosign the loans. And this is loans through the school, not private loans, so isnt that gov't. Money anyway