The Government Accountability Office (GAO) published a bleak report that found after programmatic changes, including the current moratorium on payments for all federal student loans, and economic factors were taken into account, federal direct student loans will cost the federal government $197 billion. 

Improving the student accounts process sounds about as sexy as a root canal, which is part of why so many institutions have avoided upgrading processes that could earn thousands or even millions in lost revenue.

Despite long-range positivity, there remain concerns in areas around student affairs, including retention of faculty and staff.