More funds availalbe in private loans is not going to solve one of the credit freeze problems- increasingly tightening credit standards. Borrowers and co-signers that would have received loans a year ago are now being turned down because standards for lending have contracted. I am not sure that providing more funding will make loan providers willing to take more risk. So, the market for students who do not have co-signers has dried up as has the market for the less attractive risks. We have not found that there are too few lenders making loans, but that there are greatly limited opportunties with the lenders.