because the bank s lean on the government. the middleman had a purpose. they weren t going to let someone take out a crazy loan for a poetry degree they can never repay. there was a great purpose. he became a free-for-all. the key number that struck me, federal student loan debt the year before president obama got rid of the banks, 2010 was $154 billion. it s 1.5 trillion now. neil: how would cutting back on the loans that you get the loans, if they were essentially unlimited, students would borrow unlimited money. college keeps raising the price. okay, tuition is up again. throw in room and board, last or i think it was $40,000, of more than 20% in a 10-year period, outpacing inflation. neil: what if there is the