I agree with you for the most part. I'd just like to point out, since I also consider my family lower-middle class, that most lower-middle class families have

I agree with you for the most part. I'd just like to point out, since I also consider my family lower-middle class, that most lower-middle class families have no money whatsoever for college. Most of us in that situation took loans. And if we did OK, we paid them off. No big deal, just another minor obstacle.