College is really expensive in the US because of the government's attempt to allow anyone to get in through loans. Universities know that students have to pay

College is really expensive in the US because of the government's attempt to allow anyone to get in through loans. Universities know that students have to pay it back no matter what, so they can keep increasing the costs of classes and various admin fees. They already get their money up-front, because student most likely paid it through a loan, and (the university) doesn't have to worry about it being paid back (they don't have to take on any risk). We need to get rid of the federal student loan system and make the Universities the lenders/accountable for the risk of the loan. This would decrease the costs of classes, because it would be closer to the true value of what people can afford, not an inflated number that gets passed along. It's interesting because the same thing is happening with the medical care system in the US. If the middleman was removed (insurance companies), costs would go down.