The regulator’s recent speech also mentioned that US Higher Ed Institutions are one of the important actors that have added systematic errors into the system.  Tuition increases have impacted the US student loans positively.  Five years ago the Association conducted a research by applying Econometric and applied statistics on NCES publicly available data to study if there is a positive correlation between the two variables.  The results have been published and positive correlations between tuition and student loans is confirmed.  This finding failed to reject Bannett’s hypothesis.