<p>
[quote]
But why would they want to? (and I mean middle and upper-middle income folks - $40k-$95k). I don't see any incentive for them to do so
[/quote]
Well, I'd argue that is the demographic that has the smartest students ;) -- but of course I've got a bias. I do think that many of these middle class students on financial aid are more disciplined and serious about their studies - simply because with loans and work-study and parents who are strapped to the max meeting the EFC, they can't afford to mess up in school. They aren't going to have the money to make up a semester if the fall behind, and they can't afford to let their grades slip and risk losing financial aid.</p>