I have to say I see this as a non-system issue. This has to do with someone who makes $25k a year taking out a $17k loan. I grew up not poor, but at the lower end of middle class. My father worked in construction, which provided a good income, but not steady work. Therefore, you budgeted, first come necessities, then savings, then splurges.– Joe P., Who Should Ensure Families Only Take On College Debt They Can Afford?