To all those that complain that school should be free: just look at how much money is wasted on Pell grants that never result in a degree. And even if school was free, there is still the cost of room, board, and books (not to mention transportation, entertainment and clothes).
I'm getting by w/o loans or grants. All of school is being paid for by merit scholarships, room, board, books, fees, tuition, transportation, supplies, and spending money (even got a little extra to buy a computer to replace my aging POS. Not saying everyone can do this, but a little hard work can go a long way.
And forgiveness, ha! You signed that dotted line, you drank the kool-aid.