Their attempts to do this have required looping in the banking industry, which is why tuition prices have become so inflated. It's also the same reason home pri

Their attempts to do this have required looping in the banking industry, which is why tuition prices have become so inflated. It's also the same reason home prices exploded and outpaced wages by such a large margin (and why the housing industry became so unstable). By requiring banks to loan to individuals despite their ability to afford the things they're getting loans for, the servicers (universities, homebuilders/owners) are able to jack up the prices on their offerings, as a much larger (and arguably dumber) population of people are able to buy things they otherwise wouldn't be able to buy. I'm not saying everyone should get a blank check for college the moment they're born in the US, but if the only thing keeping a kid from getting to a university is their ability to afford it, that's a problem, and it sounds like a growing one.