The government. Why would they be in it to make a profit? If the government wants to hawk college as affordable for everyone, it makes sense. If you have an $80,000 student loan balance at 7% your monthly payment in the beginning is nearly 75% interest. And they wonder why we got into the situation we are currently in. If you lose your job and go into forbearance for a year your balance is $7000 more than when you left.