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comment by b_b

I think the cost of college has more negative consequences than just debt overhang, which obviously sucks on its own. Namely, the quality of education declines every time the price goes up, which is an oddly counter-intuitive result. This happens because no one will accept failing at $600/credit for a state school or whatever. We're non-educating a lot of people, and I think that will have far more negative consequences for long term economic health than just a $300-500/mo debt payment. Maybe. Or maybe I'm just an old back-in-my-day type, just like my dad was when I was in college.