【答案解析】The future trend for the private student loans business is just like what the credit card business has experienced. It is a scale business, smaller lenders will have a tough time. Even though the student loan market is booming, but it is also new and untested. Students are high-risk borrowers. And the question is getting more urgent because the growth in private student loans has come through a shift from students at elite schools to a wider and riskier group at community colleges.