We've personally interviewed all of the borrowers; all the borrowers have stable career paths and no history of problems paying back debt, and most are already making monthly payments on their debt--this just helps them lower the payment. Of course, there is some small chance any one of them could have a problem, but we believe the odds of default are much lower than the risk of loss in the stock market or other higher margin lending options. Of course, part of the point is that you can read their bios and decide for yourself which ones you believe to be an acceptable risk.