Debt, why does every college student need to go into debt up to their eyeballs to graduate. So they can "study full time and devote their efforts to the classroom?" Get a friggin job, use poker, moneymanage. Go to J.C. for two years and transfer. Don't go to Harvard. There are a ton of reasonably priced schools that a half-way responsible person can afford w/o mortgaging their future. What ever happened to working and school?

I bartended three nights a week, lifeguarded summers and picked up odd jobs around campus to pay for school and my apartment and graduated after SEVEN years of school with no debt.

Debt is an excuse. Most people don't want to go to school cause they're lazy. It's not easy. Things in life that are worth having are not easy. A college degree is worth having.