Originally Posted by patteeu
You're still not getting it.
The people for whom the money is easy are the colleges. I don't know anyone who has ever been denied the ability to borrow money for college. Maybe it happens in a small number of cases, but it can't be very common.
But even if loans are harder to get today than they were a few years ago, or if the loans have worse terms today than they did then, the tuition problem of today comes from the loans of the past few decades, not the loans being made today. The loans of today (and they're still easy to get regardless of what you believe) are simply driving up costs for tomorrow's students.
It is not access to loans that is driving up the cost of College. It is simple market forces, supple and demand, that are driving up the cost.
The college degree is about as useful as a high school degree forty or even thirty years ago. You are almost required to have a college degree for the most basic of jobs.
Colleges and universities know this, they sell it. Were you told about Community colleges in High School? We tell every single high school graduate to go to college. Because everyone and their parents think you need a degree to do anything (which to an extent you do). Colleges can continue to charge whatever the want. The people will pay it. The Loans you talk about, those are just a means to meet the payment.
You can compare it to a monopoly in a way. College will can charge whatever price they want because there is no check on demand.
I know you want to blame the government for everything, but even without government loans the cost would still be skyrocketing. Colleges have the market cornered, if you want the high paying jobs, you have to get a degree, so you will pay their costs.