Michael Dannenberg is right, it's time to put an end to the ideological war over the two major federal student loan programs. It's time to look at the two pragmatically and in their totality. Which one does the best job, not which one is cheapest for the government or ideologically chaste or benevolent? If we can accept that Federal Express does some things better than the Postal Service and the Postal Service does some things better than Federal Express, then we can sit down and have a rational discussion about what is the best way for the country to make low-cost loans available to students so they can go to college.