 This segment includes organizations such as VSAC and MOHELA,Student loan search and comparison websites allow visitors to evaluate loan terms from a variety of partner lenders, and financial aid offices in universities typically have a preferred vendor list, but borrowers are free to obtain loans wherever they can find the most favorable terms.As the economy collapsed in 2008-2011, many players withdrew from the private student loan lending world.The remaining lenders tightened the credit criteria, making it more difficult to receive a loan.