The usage of student loans for college has reached a TRILLION dollars.  Students with degrees owe an average of 40 thousand dollars.  They blame it on the federal government and the high tuition cost.  The real blame should be to those who don’t understand the financial aid game.  Every game has rules.  If you don’t know the rules you don’t have a chance to navigate through the system and take advantage of all the opportunities of free resources.  Reading, researching, planning and strategizing helps you to position yourself for better financial results.  Most don’t do that today.  We are living in an error of quick fixes.  A loan by itself can not cause you to go into debt if you don’t sign up to use it.