If you want to blame somebody for the high cost of college blame parents like me. I spent a fortune on their education. When I did the college tours I had two reactions, one they were all palaces and if I could do it over I would go back and live like a prince, second, you want me to spend how much on this goofy, hormonally challenged teenager? There isn't a venture capitalist anywhere who take the bet but parents do it all the time. A college will gladly let a student bury themselves in debt. In a ideal world what is needed is a business analyst who would look at a student and say find a cheaper way. You can live at home and go to community college and it's hard to go wrong. I mentor kids at my college. When I went I lived at home and could make enough money working summers and part time to pay the tuition. That is no longer possible. I was lucky, my kids education paid off, one went to Cornell Law and one works for Google. I think the wife cheated on me.