The flip side is that without government guarantees people would be complaining that college is only for upper-middle class kids who's parents can afford to pay

The flip side is that without government guarantees people would be complaining that college is only for upper-middle class kids who's parents can afford to pay. TFA's author goes on about how her father tried (unsuccessfully) to talk her out of taking a loan with "abusive interest" but that didn't stop her. My mom was pretty unhappy I tricked her into letting me sign up for the army at 17 but that doesn't mean there's anyone to blame but myself.