In most cases, the companies are compensated by the colleges, either with a flat fee or a rate based on the number of students they put into a program that helps keep them from defaulting.

WSJ: Weighing Merits of Loan Deferments Today to Keep Defaults Away

Because my understanding is you can use some of the TARP funds that were paid back and use that -- or those funds that have not been used -- can you use that and get this going by executive order, or do you need us to put that program into a jobs bill?

WHITEHOUSE: President Obama Takes Questions from Senate Democrats

The study also predicts that two-thirds of all retailers with an online presence will have a formal rewards program in place within a year, although there was no discernible difference in investment returns between companies that put resources into a formal rewards program and those that don't.

FORBES