Like most things learned from movies, you're not getting the full picture. Most US universities charge on a sliding scale based on family earnings. For larger universities, tuition can actually be free depending on parental earnings. At the extreme end, some Ivy League universities like Harvard have $0 tuition for families earning less than $200K/year.
We also have community colleges and state-run universities with subsidized in-state tuition. It's still more expensive than free, but the tuition is in the range where as long as you're smart with your degree selection the ROI of getting the degree will more than make up for any loans you have to take on. That said, you can get yourself into trouble if you take out loans to study for a degree that doesn't translate to a job.
(By way of policy bona fides: I'd strongly support forgiving student debt for all for-profit schools, but would oppose forgiveness for degree-holders from universities, which would be a sharply regressive policy).
https://www.admissions.illinois.edu/invest/tuition
This claims $21k per semester:
https://cost.illinois.edu/Home/Cost/R/U/10KP0112BS/15/120258...
Directly from the page:
> Illinois Resident
> Tuition & Fees: $18,046-$23,426
> Food & Housing: $15,184
> Books & Supplies: $1,200
> Other Expenses: $2,500
> Total: $36,930-$42,310
I literally looked at the exact school you used in your example and you are just wrong
Shortly later
I also think you might have to ask around to find a student paying full price for books.
While healthcare is brought up all the time this is usually ignored. The idea of parents saving a 'college fund' for their child is something I only know from movies. It's such a strange idea that access to education would be something you either need to be able to afford or need to get a 'scholarship' for (another strange concept).