Ninety percent of the students take the 'preferred lender.' Why? Because that's the nature of the relationship. You trust the school. The school is in a position of authority.

He is old school. He's not a friend to the students, he's an authority figure. He is type of faculty member that students come to when they have problems. If they need a swift kick, he'd do that.

You just want to win by one. To win by over 50 percent is especially gratifying.

You can be a lender who wants to compete and have a better product, but you just can't get to the students. The schools are controlling the access to the students.

Ninety-nine percent of the time, if you're straight with the press, they'll be straight with you.

Ninety-nine percent of who you are is invisible and untouchable.