The Current State of Private Student Loans - 2025The private student loan market plays a critical, though comparatively smaller, role in U.S. higher education financing, complementing federal student aid. As of early 2025, the private student loan market is estimated at $146 billion, representing around 8% of the total student loan market.
This session will provide an insider view of the private student loan industry. We will explore the ripple effects of the following topics, which could reshape how private lenders operate, address capacity, market products, and manage credit access.
- Market Landscape
- Legislative Developments: CCRA
- Borrower Credit Profiles & Challenges
- Borrower Behavior
- Fraud & Risk: Synthetic Identity Fraud
(This session has been updated to provide attendees with the latest given the rapidly changing student lending industry. Bill Ayers of College Ave will incorporate some of the key points outlined in the original session topic - retaining members after college and the importance of a strategic student loan program. He will also be available at the College Ave Booth to discuss the topic deeper.)
