A good portion of students receive little or no financial aid. Even if you do get that money loaned, its still debt on your head that you would have to save up

A good portion of students receive little or no financial aid. Even if you do get that money loaned, its still debt on your head that you would have to save up for / pay off. A common mistake people make is that any given subject (math, econ, etc) is limited to your studies in college. I have studied biology, architecture, the classics, geology, meteorology, botany, and much more outside of college. It does depend whether or not you are a self learner, but is paying 120k+ really worth it to have someone twist your arm? Everything you can learn in college, you can learn outside, for free -- the interent has democratized information.