You're all over me with this one! :D So what you're more or less saying is there's a sort of middle class gap where aid doesn't cover, and parental income can'

You're all over me with this one! :D So what you're more or less saying is there's a sort of middle class gap where aid doesn't cover, and parental income can't contribute enough, so the student is forced to go wholly interest-based debt for their education? Yikes, that's rough. You're right though, all the folks I know apparently fall on either side of that middle income gap.