07 dad, you make me laugh.
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My father paid for his college and professional school without one cent of help from "the nation," his parents (who had nothing) or loans.
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This is 2007, schools have enough endowment to help students out without loans. You are definately not 07dad, more like '48Dad.
Ever heard of UVa (public), Harvard, Princeton, or even Emory university? All of them cap their loans and provide families with an income below the poverty line with all grants, covering their tuition, room, and board.
Its time for more schools and even the nation to reform loans!