>>It is generally believed a college education is a sound investment that pays for itself over the course of a working career. Also, anyone who doesn't want to take out a loan to bridge the financing gap doesn't have to. There is no gun to their head.
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>Exactly. The difference then is in the haves and havenots... I mean, those who have the gap to bridge and those who don't.

Our experience in watching the kids around us is that the people who have the worst deal in all this are the middle income folks. Upper income can just pay, truly poor get great financial aid. But the ones in the middle often have to make the school choice based on the tuition and the aid package.

Tamar