The article recognizes the fact that student loan defaults are a serious problem in student aid administration. The author attempts to place the history and current status of the issue in a context perhaps more reasonable and less simplistic than that espoused by some public officials.
McCormick, Joe L.
"The Default Rate Factor: Who is Really at Fault?,"
Journal of Student Financial Aid: Vol. 17
, Article 3.
Available at: http://publications.nasfaa.org/jsfa/vol17/iss1/3