 So the taxpayer owns the most student debt. So people don't know this, but the private student loan market basically no longer exists. It used to. Obamacare was actually the reason for this, believe it or not. So 99% of all student loans are given out by the federal government. It's called FAFSA, the Federal Agency for Federal Student Loan Assistance. Every student that goes to a college other than Hillsdale. By the way, many of you probably fill out those forms as parents. FAFSA.gov.