Meh - working families have to compete with overseas sourced money to put a roof over their heads too. Apparently the Feds see nothing wrong with that.

And if you cannot afford to buy, you also compete with hundreds of thousands of foreign students, who if they are not having their parents purchase, are in the rental market driving demand and price.

High debt loads?

This article makes it sound as if Mom and Pop are recklessly borrowing for a luxury car or annual overseas trips instead of looking to the best interests of their kids education.

Perhaps...just perhaps...on the average family income of about 80k, they are simply treading water.