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Risk sharing ensures that institutions—not just students and taxpayers—share the burden when students default on loans. The Center for American Progress offers a series of white papers on the topic of higher education risk-sharing.
A Risk-Sharing Model to Align Incentives and Improve Student Performance
A Flexible Risk Retention Model for Federal Student Loans
Designing and Assessing Risk-Sharing Models for Federal Student Aid
Risk-sharing: An efficient mechanism for funding student loan safety nets
Risk-Sharing and Student Loan Policy: Consequences for Students and Institutions