Why are educational loan borrowers considered "the best borrowers" if they have higher CCF?

Hi everyone,

I'm confused about the interpretation of the Credit Conversion Factor (CCF) in the EAD model lecture.

Based on my understanding:

Higher CCF = higher proportion of the loan still outstanding at default = higher exposure for the bank = worse for the bank
Lower CCF = lower exposure = better for the bank
The Grade A example makes sense:

"If a borrower has an external credit rating grade A, their credit conversion factor is expected to be about 30% lower than with grade G."
This implies Grade A borrowers are less risky, which is logical.

However, I'm confused by the education loan example:

"If the purpose of the loan is educational, the credit conversion factor is expected to be more than 9.6% higher than for a credit card... Sounds like the best borrowers are those that invest in their education."
If educational loans have a higher CCF, doesn't that mean they pose greater risk to the bank? How can they be called "the best borrowers"?

This seems contradictory. Am I missing something, or is this a typo/error in the lecture?

Thanks in advance!