It seems to me that you have a-priori decided to whip a particular horse regardless of the context/relevance. Not arguing that particular horse should not be whipped, but its not the main horse in the race that is being discussed.
Sorry, I have no idea what you're talking about. I've simply been trying to show that these allegedly disconnected economic phenomena (government lending, high fees, high students loans, defaults, political pressure to drop interest rates) are actually all the result of a single misguided policy direction.