The statistics, that a disproportionate number of graduates from Phoenix and places like that are unable to make student loan payments, tell you that they are not returning on investment for those students.
If you are poor, and study very hard, it is possible to win a scholarship at a reputable college, and achieve social mobility that way. Pretending that people who have not worked hard enough to win a scholarship can become middle class by taking out a loan is a dupe. They would do better to join the army for that purpose.
