Hey news flash if the average college graduate has $35,000 in debt that they had to borrow to graduate then college is by definition unaffordable. And if every one commuted to a small, inexpensive in-state school like you did, guess what? Tuition at small in-state schools would go up! The argument makes no sense whatsoever. It's supply and demand. It doesn't matter how you slice it, someone has to pay the bill for the college graduates that now make up the backbone of the modern economy. And to the personal responsibility crowd, there are already many checks on personal responsibility for college students. You have to graduate within a certain time period to keep scholarships, you have to maintain a certain GPA, you have to pay for your living expenses, if your gpa isn't high enough your degree will be worthless anyways.... I could go on and on and on. Going to college is never an irresponsible decision; failing to get what you need from your college degree is. And that has nothing to do with how much debt you take on in the process. Guess what other countries do. They make university competitive and challenging in both application and education, and the people who can't hack it go to trade schools or other areas. It's not really any different than the system we have, only they don't leave the graduates with crippling debt for deciding to get a degree in an economy that demands college graduates.