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Barr, N. (2001-05-10). Designing Student Loans. In The Welfare State as Piggy Bank: Information, Risk, Uncertainty, and the Role of the State. : Oxford University Press. Retrieved 29 Oct. 2020, from https://oxford.universitypressscholarship.com/view/10.1093/0199246599.001.0001/acprof-9780199246595-chapter-12.