The whole thing is predatory. It's the classic monopoly system where you loose out if you play and if you don't. Think degrees are overpriced? Go live life as a

The whole thing is predatory. It's the classic monopoly system where you loose out if you play and if you don't. Think degrees are overpriced? Go live life as a labourer with no access to the top paying jobs. Or suck it up and hand over a large part of your labour to the gate-keeper. Available credit sets the price. Ramp it up and watch the tribute flow in.