“What we’re most concerned about in terms of limiting or putting caps on those loans or this tool is that that may not necessarily change the amount that students, and then, by definition, their families, need to borrow to go to college, right?” said Roxanne Garza, director of higher education policy at EdTrust, a college-access nonprofit. “It’s likely going to mean that those students and their families are either going to forgo college, because they can’t borrow the additional funds they need to go to college, or what you might see as well is these students and families being pushed to the private sector.”