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Savings did rise by 10.3 percent in 2009, while loans increased by 1.2 percent.
In the euro area, loans to the private sector fell by 1.4% in the year to October, while loans to non-financial companies fell by 3.7%.
Under the legislation, Stafford loans would be capped at 8.5 percent, while loans for parents and graduate students would have a 10.5 percent cap.
Yet while loans can help young players gain experience, there is a danger that too many can be unsettling, disrupting a player's sense of belonging.
Phil Day, president of the National Association of Student Financial Aid Administrators, says that while loans traditionally cover two semesters over nine months, the year can be extended.
More important, Mr. Schubert wrote in a note, was the decline in lending to nonfinancial companies, which dropped 0.8 percent from a year earlier, while loans to households rose 0.2 percent.
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11 problems while loan guarantees assure no immediate consequences.
"Loan modifications that should be happening aren't, while loan modifications that shouldn't be happening are," he said.
While loan offices need only pass the exams once, they must keep up with various continuing education requirements.
The report said demand for loans remained low and weakened in some regions, while loan delinquencies and defaults continued to rise in many areas.
While loan portfolios from the Midwest and West show signs of stabilizing, she said construction-related loans in the Southeast were deteriorating faster than she had expected.
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