I would strongly disagree that education loans only drive up tuition. I know several people (including myself) who would not have been able to finish college without a combination of Pell Grants and subsidized student loans. I now have a very well paying job and have contributed far more in taxes than I took in loans - plus I&#x27;m paying off my loans. So I can personally vouch for their effectiveness as a tool to enable achievement.<p>I do agree that rising college cost is a problem, but blaming it mostly or entirely on government-backed student loans is far too simplistic, and ignores the benefit that it has provided.