I suspect that they have been coming more and more common in a positive feedback cycle. I know when I was in college in the early 1980s, loans were available,

I suspect that they have been coming more and more common in a positive feedback cycle. I know when I was in college in the early 1980s, loans were available, but not especially common; a lot more people seemed to be working their way through school, but as the cost rose that became less and less viable.