I'm using "credit industry" to distinguish the private-market credit services industry from federal servicers of student loan debt. Your assertion was that the "banks" (which appears to be your shorthand for the same thing) are "almost totally disinterested at this point." I'm saying that smells a little fishy, since the "banks" have generally opposed reforming the restrictions on discharging student loan debt through bankruptcy since they were enacted by congress in 2005. That's it, that's all I'm saying.