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> And how many of these are necessary? If you live in a metro area with a University

You seem to assume everyone lives in a major metro area, or that all universities are near one. That's not the case for majority of people and majority of universities. A lot of students go away to school, often in different cities or even different states from their home.

> The worrying part is that costs are rising in large part because college funds exist and credit for education is easy to acquire.

That's an absurd claim. Costs are raising because the government (Fed and State) have been dramatically reducing their share of subsidizing that used to be provided to universities. It costs a lot to put a single student through a single semester, and now families are having to pick up a larger share of that cost burden than ever before. College hasn't gotten more expensive, it's the individuals share that has.



> You seem to assume everyone lives in a major metro area, or that all universities are near one.

You missed the part where I said "If you relocate"...

> College hasn't gotten more expensive, it's the individuals share that has.

http://www.bloomberg.com/news/articles/2014-08-18/college-tu...

http://mercatus.org/expert_commentary/subsidized-loans-drive...

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/09/03/t...

Anyhow, there's various reasons why college costs have increased so much more than the CPI, but cheap access to credit is a huge one.




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