My father pays for my education and I commute to my university from home. I don't have to pay rent for an apartment, since I live at home, nor do I have to pay utilities or food costs. So I have never sat down and thought about college expenses, they were never a problem for me. However, once I began thinking about how expensive and frankly ridiculous college is to a student, it made me slightly upset. Tuition rates for a student are obviously unaffordable, so what do most students do? They take out a loan. That loan sets the students up for failure. Once they graduate, they get a job and begin to make some money. However, they can't save that money. Almost all of their monthly income will be used in paying rent. utilities, car loans, and mostly their student loans. The system we currently have in place. Sets students up to fail and puts them in a debt that takes serious financial management to beat.