Colleges are the exact same - once it becomes standard for an intermediary to handle the bill, the costs skyrocket. From the government giving anybody who goes

Colleges are the exact same - once it becomes standard for an intermediary to handle the bill, the costs skyrocket. From the government giving anybody who goes to college a loan, means that colleges can charge insane fees despite no change, and hospitals charge insane fees because it is standard to gouge insurance.