I think you are right but when combined with the loan issue commented above it adds to the cost. If students had the choice between dorms and living at home wit

I think you are right but when combined with the loan issue commented above it adds to the cost. If students had the choice between dorms and living at home with 15 extra k many would choose to live at home. However, because it is part of the student loan the 15k is not really seen and no one is trying to negotiate lower costs.