It is a key way to help the middle class. Starting your life with about 40k in debt is setting up for financial hardship. I think the requirements to be accepted should stay the same. We are a family that lives paycheck to paycheck. My oldest is a senior. She has worked hard, honor roll student, top 5% of her class, every in state college she applied public and private looking at 8k to 10 k after federal student loans. She will graduate college with much debt.