The article points out how the student loans borrowers are the winners on recent decision of the Department of Education on letting them to access rankings of loan specialists.  To read detail of the news, please click here.  Readers need to be careful while reading the article.  The borrowers will not win until they only have to take a fair amount of student loans.  The cause of the problem is not about who the providers or lenders of the student loans are.  Rather, why they have to take loans?  Do they have to take a fair amount of loans?  One needs to critically think that the loans are the result.  The higher the operating inefficiency or the more inefficient higher education institutions are managed the higher the amount of loans that the “trapped” students have to take to finish their studies.  In other words, they have to bail the inefficiency out which simply passes to them by the school’s management.  In the statistical jargon, there is a clear positive correlation between the cost of education, the student loans, the overhead (administrative expenses) and salaries received by the full professor.  Each links above showed and reported the results of AAEA studied in the past months on such topics.  While it is easy to get distracted, the American public has to understand the cause-and-effect logic behind all of the student loans and cost of education issues.