I believe my situation was similar to GP's: family on the lower end of middle class, and enough younger siblings to make it a stretch. I was accepted to a reas

I believe my situation was similar to GP's: family on the lower end of middle class, and enough younger siblings to make it a stretch. I was accepted to a reasonably prestigious university, but ran out of money after the first semester, so I wound up coming home and finishing my degree at a state school. It's also important to note that the student loan system back then was very different: different guarantors, and non-infinite money.