I believe Fannie and Freddie Mac should be dissolved. These banks failed during the housing market crisis and they should be out of business. I don't believe in bailing out banks, it's something we should not have done and banks that received bail out money should all be dissolved. The banks caused the problem, why should the people pay for their bad business practices?
Fannie Mae and Freddie Mac serve a valuable economic purpose in permitting borrowers who would not likely be considered by other lenders. Although both organizations have had issues that require more stringent regulation, to dissolve either or both would have terrible consequences for many Americans that would prevent the purchase of a primary residence.
Fannie and Freddie Mac should remain intact because they are currently the primary vehicles by which low income and minority Americans can move toward home ownership. They also provide increased capital and security which allows lenders more flexibility in their lending practices. We still need Freddie and Fannie and they should not go away.
Yes, Fannie and Freddie Mac should be dissolved, because they do more harm than good. People should not go to school if they will not get enough return for their investment that a private bank wants to pay for them. This would put downward pressure on tuition, because there would be fewer people willing to pay the money.