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Lucas, D., & Moore, D. (2010-04-15). Guaranteed versus Direct Lending: The Case of Student Loans. In Measuring and Managing Federal Financial Risk. : University of Chicago Press. Retrieved 19 Sep. 2021, from https://chicago.universitypressscholarship.com/view/10.7208/chicago/9780226496597.001.0001/upso-9780226496580-chapter-8.