And AGAIN...No. The low rates are independent of the decision making process when it comes to raising state level tuition, as evidenced by the upward trend over the past 5 years, where the interest rates were not fixed. The housing bubble is a separate example and issue all together. The two examples ONCE AGAIN have nothing in common, except for the word "loan." Examine the number of homeowners vs college graduates. The disparity in loans handed out for either example, aren't even remotely close. The only way to increase production, is to invest in education. Education leads to better jobs, skilled labor, better pay, ultimately leading to higher contributions in the way of taxes. It's funny Romney stated in the first 15 minutes of the debate that he's running to create 12 million jobs, fast forward 30 minutes later and he says that government does not create jobs. Wait...what? :/