It's not a circle. It used to be but no longer. Now, it's a simple linear progression.
Nepotism begins at home
"I aim to misbehave."
If you take out a loan, you repay it. End of story. So sorry for so many that just cannot go to many outstanding state schools all over the country, that they have to break their bank to get into all these snowflake institutions that charge outrageous rates.
Keep them instate. That will alleviate at least half the cost. Graduate on time, or early. That will alleviate a lot of financial burden. If the parents are footing the bill, it's on them to make the logical and correct choices for their kiddies, too bad what the kids want, right?
Tuition assistance is everywhere. Grants are everywhere. Scholarships are available everywhere for almost any situation, skill, race, sex, disability, etc.
If you are a parent that cannot convince your tender little ones to use common sense now, it is unlikely they will develop that capability later.
Merry Christmas and a Happy New Year!
“The truth will set you free, but first it will make you miserable.” - President James A. Garfield
Imagine how much better America would be if you would simply don a pair a pants before sitting down at your Playskool My First 'Puter.