Why is Russia unpopular student loans?

Of 905 banks operating in the area of ??retail credit, educational loans are only 12. Although demand for such loans is: in Russia on paid departments of universities enrolled 1.2 million people. But only about 1% of the students paid the institute with the help of the bank, occupying, according to the analytical agency Frank research group, only about $ 60 million is hundredths of a percent of total lending to individuals. In the U.S., a different picture. Annually there shall be issued in the form of educational loans of more than $ 100 billion in the entire history of American students took from the banks about $ 1.17 trillion. Moreover, the student may take not one but several loans: the government and private banks. Delay on such loans is low, about 4%. Have been unable to repay the young people are paid to the state in another way: for example, are sent to work as a teacher in Alaska. For details, see the article "Education without credits" (Russian Forbes).