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Further boosting demand for a college, a moribund economy has made delayed entry into the workforce attractive and competition for jobs fierce.

To make matters worse, my income now makes me ineligible for the $13,000 in aid I was receiving.I’m in that middle-class bind where many students find themselves.My parents make too much on paper to qualify for sufficient aid, but not enough to afford $47,000 a year. I’m hardly the only student who’s struggling with these sky-high bills.The solution is a complete separation of school and state at all levels.Competition drives down prices and improves products and services, as entrepreneurs strive to win customers by offering a better deal in terms of quality and cost.“I want us to produce 8 million more college graduates by 2020, because America has to have the highest share of graduates compared to every other nation,” Obama said.

Toward that end, he increased the amount and number of Pell Grants.

Another $14,000 goes to pay a share of administrative and academic support salaries, which in Duke’s case includes more than $1 million in total compensation to the university president, Richard Brodhead, and more than $500,000 to the provost, Peter Lange, according to 2011 tax filings.

Also, $14,000 goes to dorms, food, and health services; $7,000 goes to staff salaries for deans and faculty; and miscellaneous costs take up another $5,000.

My bill for next year will be a staggering $62,000.

And I will pay this all on my own; the financial aid office does not care that I am legally financially independent.

Experts predict a massive student loan default on the horizon, on par with the last major mortgage crisis.