<prompt> Human: What is honestly stopping me from starting a lending company and offering 4 interest and taking in someones student loans? That is roughly 3 lower than what the average is right now. I know there is a risk in not getting paid back, but if the person has a good job, low amount of debt, he or she would seem like a great fit for a great deal. I hate that I am stuck with a 5.75 interest rate on student loans and I have never missed a payment on anything...  <response>: Honestly? The only thing stopping you is a lack of money. Feel free to go do it when you have enough.Whats stopping everyone else is the fact that it doesnt make financial sense due to the risk. 