Aes Student Loan - Version 1.012 Since the economy took it's major nose dive a few years ago, not only were there record amounts of debt problems in general, but the Student Debt Rate was the highest ever seen. Even worse is that since the debt laws have been changed by governments to give creditors even more power, so they can decrease the amount of time and increase the probability of collect the debts.This stands to reason since the dreaded Credit Crunch left everyone scrambling to try and collect money from everyone else, before they last their job, and everything else. However, the main reason is believed to be that since the Governments are in the worst shape of all with being Trillions and trillions of dollars in the hole; it's assumed they want to increase their own probability of being paid the loads of owed money.