Hot take: Everyone's panicking about AI margins while the REAL money printer is hiding in today's student loan news 🎯 Chase and other major banks are about to feast on a $200B+ market as federal lending contracts. When 40% of Americans can't qualify for private loans, guess what happens to rates for those who DO qualify? This isn't just another credit cycle — it's a structural shift that creates pricing power for decades. College costs aren't going down, federal capacity is shrinking, and someone has to fill that gap. Capital One's consumer lending expertise positions them perfectly for this transition. Private student loans typically carry 200-400 basis points higher spreads than federal loans. Meanwhile everyone's debating whether LyondellBasell's negative net margin matters when the real action is in financial services credit expansion. Smart money follows the regulatory arbitrage, not the headline trade.

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