It's not "fair" but I think it's necessary. We are staring down the barrel of a loaded gun at this point.

I may be a little salty because I took the community-college-into-university approach to save on costs and made some sacrifices to send every extra penny I earned towards paying down debt.

But I also realize that the country is going to be much worse off if we continue to punish people for spending more than they could afford on university.