You have to think the biggest factor for college costs increasing is the greatly increased demand for college as the manufacturing sector in this country has been hollowed out. And then as a lot of blue collar jobs have been outsourced to temp agencies who fill them with cheap illegal labor. Then parents who grew up with cheap college trying to steer their kids there. Our secondary school system that tries to make you feel like a loser if you don't go to college, that tries to pretend everyone needs to go to college and thus should take years of English and history as preparation instead of learning useful job skills at school like you see in Germany. You have large predatory companies like McGraw-Hill just bending students over with ridiculous textbook costs (I had a thread here about them selling a textbook for $110 that MIT Press published in the same quality for $55, but McGaw-Hill had the volume license so were the only ones who could sell enough copies to supply the school bookstores at colleges using the book). You have colleges building bull like state of the art gyms and pools and stadiums out of ever increasing student fees. College costs spiraling out of control can't be boiled down just to easy access to loans.