Good article. This is indeed the way I see student loan and the college mentality. In the U.S, affirmative actions allow kids from poor area to attend college despite the fact that they have lower grades and aptitude. The catch is that they either have to be really intelligent (which will earn them a full scholarship) or they'll have to borrow loans and work in school to stay afloat. Regardless of the goods and bads, 4-year universities have became a business which reputation comes from branding and unnecessary spending of infrastructures. There's hardly anyway out of this rat race unless one is willing to work hard and smart at the same time.