Around here, students could take some courses Jr and Sr year at the Community College and have one year of Cleveland State done when they finish HS. And there's public bus transportation within walking distance that would bring them to Cleveland State, fare included in student fees. They could combine that with very available part time jobs.
You'd think that RTA bus would be filled with students. There's only a handful taking advantage of this very excellent option.
What's my point? I have NO sympathy for those who choose student loans for undergraduate degrees.
High School Guidance Counselors have been complicit in the everybody should go to college nonsense.
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It’s the best way to indoctrinate students and keep professors with strange and useless majors employed.