<prompt> Human: Ive seen countless posts while lurking around here about the insane amount of student debt that some of you have racked up. I was hoping to avoid that, but with college acceptances coming in, and the scholarship offers with them, Im starting to realize that even with the pretty great scholarships Im getting, school is still going to cost a lot of money and its freaking me out. How have you justifieddealt with college debt and having to take out loans?  <response>: I have my own theory as to why its gotten so expensive, right or wrong ...I graduated two years ago and a good share of my friends took every loan they could, for any purpose man, you really needed that motorcycle. When the govt steps in to make sure everyone gets a loan and money is essentially free for 4-5 years, a lot of students dont care about cost, dont shop around or think about whether that degreeschool will benefit them when it comes to re-pay. They dont think, and no one tells them, that maybe they shouldnt accrue 100k in loans for a degree in Art History.All that free money being pumped into a sector localized mass inflation 