Education is now becoming a sort of business without having heart for future of students. This should be addressed at all level in order to make it affordable and efficient, that's all for all class kids.
We don't know for sure what the person is walking into with that big smile. Perhaps she/he is turning away from a high paying job for something much more enjoyable.
Why blame the Bankers who loan the school loans?.......The Universities are the greedy ones who grab your money.
Most of the smartest people I have known in my life didn't have a college education...strange!