At this very moment all the "final calls" (opportunities very close to end bidding period) are below 10% in average interest rate. Good news for the lenders - not so good news for the borrowers hence 9% of the loans default.
It looks like political correctness rules the myc4 platform. The "good guys" gets the good interests and the "bad guys" especially real estate investors are met by higher rates.
I really dont care - by providing the funds for the "bad guys" i am a part of funding their childrens schooling and improving the familys livingstandard.
And since I will reinvest the "bad guys" repayments helps other familys etc. etc.