And we wonder why the social services sector is suffering? I interviewed students for an article a few years back and a few of them admitted they wouldn't be able to do what they wanted due to the high costs: couldn't be teachers, couldn't be social workers, wouldn't have the time to volunteer and give back and open up the centers they wanted. When I was 18 a private loan company told me I could take $50,000 a year if I needed. A year! Of course, why wouldn't they? Give away as much money as they possibly can while current laws make it impossible to ever have that debt forgiven. Going to make $25,000 a year after college? Here, take $100,000, then struggle the rest of your life with no recourse because you were an idiot at 18. Sad really.