A number of important trick items are nevertheless from this relative studies out of ICL and you may GGBLs. For just one, there have been an insufficient examination of brand new standard will set you back relevant which have GGBLs for individuals. A life threatening area the following is that people defaulting toward college loans and end ruining its complete borrowing from the bank reputations, which results in them having problems and better costs whenever undertaking so you can safe non-student education loans.