[ketelone]

Maybe the point is, that theyre already smart enough to know that being in debt isnt a good thing in the first place, and that if there is a way you can get ahead in life without first being ground under by a 100,000$ loan, then youre already ahead of the ratrace. 45,000$ for a family of four isnt that much, you will surely admit. Try sending two kids to college on it, AND running your household.

[libertarianPA]

Try sending two kids to college on it, AND running your household

The difference is, if my household was making under $45,000 a year, I would choose not to have more than one child.