Hope you can take a look.

This sort of analysis can also be applied to citizens who receive college loans from the feds. in a private market, where the government weren't propping up certain businesses (banks), or endeavors (going to college), the individuals who wanted to engage in certain practices like banking or going to college might have to take on loans, but those loans would be given by only private entities. Those entities would have great incentives to be more careful about the folks to whom they lent money, and the rates would be mor ein line with the real risks posed. In a government/state system, the risks are hidden by the promise of government bailouts, and the rates paid are artificially lower than what would be offered in the private market (in most cases).

Take a look:

http://www.bloomberg.com/news/2013-02-20/why-should-taxpayers-give-big-b...

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