i'm not going to like but in truth they were unessential to the learning process and i would have been happier being less in debt and having a nice warm room or cafeteria or something like that. and then lastly they play a game of financial aid for low-income students which i think is, at times, somewhat despicable. this is all undergirded by the ubiquity of student loans. anyone basically wants a student loan in america from the federal government can get one. knowing that that is an and in the money spigot, the schools like to raise their prices and don't have a lot of compunction about doing that. and i think there is a big area of hypocrisy because we know that the philosophical leitmotif of most colleges today is social justice, fairness, things like that, lot of these various moral perspectives and better in the world. and that's fine, but if you're going to hold to the notion of economic and social betterment as tightly as the universities do, the better be prepared to be honest with students when they're ready to sign a $20,000 promissory note per year for your student loans. i