Sallie Mae has been the biggest provider of such lending, but it is becoming more selective amid mounting loan losses and tighter credit markets.

• 学生贷款营销协会是提供这类贷款的机构中规模最大的，但随着贷款损失的增加以及信贷市场的收紧，它在选择放贷对象方面也越来越严格了。