This.<p>Plus I remember reading an article a while ago saying that universities had no incentive to cut costs due to student loans. Effectively, student loans are at least partially responsible for driving ever higher costs for tuition.<p>I&#x27;m very frustrated about this as I would like my (eventual) kids to go to college at my alma mater but at $40k+&#x2F;per (for a public school !!!), I can&#x27;t fathom that happening.<p>[1] Related read: <a href="http:&#x2F;&#x2F;www.nytimes.com&#x2F;2015&#x2F;11&#x2F;29&#x2F;upshot&#x2F;student-debt-in-america-lend-with-a-smile-collect-with-a-fist.html" rel="nofollow">http:&#x2F;&#x2F;www.nytimes.com&#x2F;2015&#x2F;11&#x2F;29&#x2F;upshot&#x2F;student-debt-in-ame...</a>