re: At least half of students defaulted or failed to pay down debt within 7 years

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College essentially becomes free when you do this. That wont work at all.

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If we were an enlightened country, we'd have free college and vocational education. Not everyone needs a college education.

I was lucky and was able to pay all my expenses without any assistance. But, I know I'm one of the lucky ones. Most people cannot afford college at this point. And, with universal free college, tuition at private schools would go down.