This is the same kind of argument against raising the minimum wage coming from a person who already makes $15 an hour. It was never possible for me or my family to get me through undergrad debt free. I worked, I had scholarships, went to the cheapest state school, and I still needed loans. Maybe I should have lived at home with my parents, is your point. Sacrifices and privileges start to blur at some point. It's great that you and your wife were mature enough to realize the potential costs of having debt from college. MOST HUMANS ARE NOT THAT MATURE at 17 or 18; that kind of maturity itself is a privilege often one taught by good parents. I see no good lesson being brought to bear by teaching them personal responsibility for a loan they took out as easily as a candy. I just don't understand your desire to keep others saddled with debt because you choose the smarter path, you've derived a benefit from that for what the past 20 years? (In my day, we didn't have health care, we just died!!!) And next time I see some one say "personal responsibility," they better damn well be against limited liability; because we can't be holding the poor to their reckless education decisions and allowing the rich to make reckless business decisions and get off scotch free.