It's absolutely sick that my son and daughter had to take unsubsidized loans while undergrads. They take a point off the top before they even give it out and these are NOT cheap low interest loans! In GRAD school my daughter had to take loans too and now she has 80,000 in loans(not to mention the 60k we have). It's absolutely a sick situation where students have to sell their careers and parents have to use their retirement just to get their kids through school and we are talking out of state state schools here! Give us a break. It's as is you don't want your citizenry to be educated! More loan forgiveness is necessary too!