<p>They would not be forced to take on the full cost of loans, as he was assuming. If a family is making $140,000 a year and has sizable assets, as in your example, they won’t need to borrow the full cost of a college education in order to cover it. I was merely pointing out that his loan load should not be anywhere near what he is feeding into the calculators, and posters with experience here should be helping correct that, rather than telling him of increased interest rates in order to further feed the image of inescapable debt after his education is completed.</p>