> Between loans and grants Just because you can get a loan to cover the cost doesn't mean it's affordable. I've noticed a definite difference between lower an

> Between loans and grants Just because you can get a loan to cover the cost doesn't mean it's affordable. I've noticed a definite difference between lower and middle income people in this regard. People without much income, "working class" if you will, view loans as "something to help make ends meet" More middle and upper-middle class people view loans as "access to cheap credit." I.e. ways to leverage a little excess money into a lot of excess money. The main difference is the level of confidence that the leverage isn't going to turn on you and flip your life upside-down because you can't make the payments.