I do aggree, poppagatoe, that if you do not finish your studies, your debt will be difficult to pay back, and I am concerned that the colleges are getting too expensive. the HOPE grant I am speaking of has nothing to do with Bill Clinton but was developed by Zell Miller in Georgia from the profits from the lottery. It allows students who keep a B average to attend any state college tuition free and even gives money for books. If you are a serious student who wants an education, you can walk out of college debt free.