This was due, in part, to the increase in restrictions on student loans, students borrowing less money for college, and concern over the risk of unsecured loans. (studentloans.net)
Saving more + borrowing less for college = good. (bostonmamas.com)
You can also borrow less if you get grants, scholarships, and other student aid that doesn't have to be repaid. (studentloanhero.com)