Could part of the problem actually be the widespread use of financial aid and student loans? If there was no assistance and everyone had to pay out of pocket, o

Could part of the problem actually be the widespread use of financial aid and student loans? If there was no assistance and everyone had to pay out of pocket, only the very top universities could charge $30,000+ a semester since almost nobody could afford to go at that price. It's kind of like healthcare costs; most people are insured so the hospital can charge 8 dollars for a single aspirin and almost nobody complains.