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Income is also one of the most important issues, it's been my experience that borrowers have to be able to prove that they can (currently) handle the payments, and banks don't go for speculative income. That's why I don't understand how anyone can manage to get a student loan from a bank without there being some sort of guarantor.
usually they dont, unless they have assets to back the debt
the government gives out the initial loans.....
but that doesnt mean you have to keep those original loans once you have a job and can refinance them at better terms