Nobody is forced to take out a loan for school. If you can't afford XYZ university, start somewhere smaller (i.e. a community college) and stack your paper until you can afford it. That has always been an option.
I tell ppl this all the time because I did it. But here's the scam part of it.
I went to community college first then transferred to a state school. Went to both tuition free cuz my parents were veterans. But you still have school fees and books to cover that ain't free. At the community college I went to, shit wasn't that expensive at first so I could handle all that out of pocket with no financial aid. But a few semesters in them niggas (the school) started realizing how much of a fuckin racket textbooks are. So what did they do? Teachers started writing their own books that came like this
specifically so you couldnt pass it on to somebody next semester. It's paper with no cover so of course you done wrote all over it, pages got ripped, folded whatever else.
Then these textbook companies started publishing "new" editions every year of the same textbook and of course teachers would assign the latest edition every year. You had to get the new edition because it has an "access code" that you would have to log into to do assignments and the old editions expired. when 1 person used it, it couldnt be re-accessed. Brand new textbooks by themselves are 1-200 apiece. That was just at my community college.
I go to the state school and it's the same shit so I was prepared for it. But what happened was, they increased the campus fees every semester. First semester I went there I paid like 400 something just in fees alone. Add a couple hundred more for books. When I stopped going I was paying like 1500 for all of that. Then theres parking passes and shit that got increased regularly that was a couple hundred a pop every few months as well. All that had to come outa pocket.
If I was getting fucked in fees for shit I wasnt even using cuz I didnt live on campus, I cant imagine how shit is for someone that had to pay tuition on top of that.
It's really not as easy starting small anymore. It's bullshit all the way around.