College is expensive, it is still very much for the upper class, I was a bit naive when I entered the PT program, and it was only after a while, that I realized that some of my classmates were backpacking across Papa New Guinea and vacationing in exotic places, going out partying all the time while I delivered pizzas and got almost no sleep. This isn't a whoa is me thing it's just perspective, it is what it is.
I come from nothing, a working class family, and I am the first person in my family to go to college. Obviously, the financial support and guidance were not there for me, and so I had to seek advice elsewhere. There are plenty of people who are smart enough to succeed in a graduate program, but simply don't have the financial backing or time to do so. The loans are there if you want to take them however, it's a big risk, if you fail you're out all that money, with no degree to show for it, and then what. This is the way I thought anyways, but glad I went through with it. I know plenty of others who have gone through various programs, failed their national boards and now are looking at huge debt, and working random jobs.