The bill infront of me isnt lying. The amount of student loans is not enough to cover the costs, therefore requiring private loans or someone else to pay it. So either all these parents are paying it, or they're taking out private loans. Or, more likely, the stats are collected poorly as they typically are. Same as how unis are allowed to lie about job placement rates.

The fact that you are forced to take out private loans isn't evidence that the vast majority of students are.

College tuitions and housing prices vary wildly, many students live with family, many students have merit based scholarships. Many states have copied Georgia and have lottery funded scholarships that covers the majority of in state tuition for students with a B average in high school.

>Or, more likely, the stats are collected poorly as they typically are.

The stats are widely available along with the data collection methodology. If you want to stick with your confirmation bias that's fine I suppose.

I've done enough work in data collection and stats to know that generalized statistics are almost always associated with false conclusions that avoid context of their data. An org will not advocate against itself willingly because it's workers like their jobs. Therefore, I trust the bill that many students have. The evidence I have readily available concludes that scholarships are rare, student loans aren't enough, and students have become cash cows.

>I've done enough work in data collection and stats to know that generalized statistics are almost always associated with false conclusions that avoid context of their data.

There's no context that changes this. Private loans make up less than 8% of all student debt. There are numerous sources available. This isn't in dispute by anyone (except maybe yourself).

Given that fact, the only way your premise, that the vast majority of students take private loans, can be true is if most students take very very small private loans of less than a few thousand dollars.

And even that is demonstrably false. Because we have data that clearly shows that the vast majority of students don't take private loans.

https://research.collegeboard.org/pdf/trends-student-aid-201...

>...that scholarships are rare...

More than 75% of full time students receive at least 1 scholarship or grant. Most of them aren't enough to cover the full tuition much less room and board, but they aren't rare.

And in many states have large scholarship programs as I've mentioned where tens of thousands of students in the state get that scholarship.

>The evidence I have readily available concludes...

Confirmation bias is something to watch out for. There's no evidence outside of your personal experience to support the conclusion that "the vast majority of students take private loans."