As the credit market tightens, nearly 30 percent of colleges that use commercial government-backed student loans are considering switching to direct government loans in the next academic year, according to a survey of 416 financial aid administrators released Tuesday by Student Lending Analytics. An additional 6.3 percent of colleges have already switched this year, the survey found. But Yale has no immediate plans to join them, Director of Student Financial Services Caesar Storlazzi said. As it does every year, Yale is examining the possibility of offering direct loans, he said, but he does not expect the University to switch in the near future. Yale continues to use private lenders because they offer better customer service and a range of loan options, unlike the federal government, Storlazzi said.