[InnocentB]

This is good advice to give to specific individuals, but it's unrelated to the systemic debt problem. Your strategy can't apply to the broad population, or the universities wouldn't have any money with which to pay your way.

[FreakLegion]

I'm not talking to individuals. I'm talking to a specific, highly motivated group of people, some of whom are pursuing undergraduate or graduate degrees, some of whom are considering pursuing undergraduate or graduate degrees.

Downvote all you like, but I've learned a few things through three degrees at three different universities, and my advice remains the same -- particularly for anyone attending a for-profit school or graduate school:

If you plan on going to college, learn to game the system.