[yucky]

>A typical student who did the “right things” starts life with 60-120k in debt.

Very few degrees are worth taking on that kind of debt. Also, doing the first 2 years in community college with basic FAFSA is very affordable. And since when do college students not work while going to school? My nephew finished his mechanical engineering degree a couple years ago (State University system with first 2 years in community college) and he ended up with under $12k in debt which he already paid off.

Then again, he didn't decide he just had to go to an out of state private university for all 4 years while not working at all. Vastly different approaches will deliver vastly different results.