<p>Lol, that’s my point, too, Bay. A marginal tax rate approaching 80% causes people that could work to have no reason to work, and we are all losing their potential contribution. So we set up this system for paying for college that has little transparency, backwards incentives, is regressive to boot, and then we expect people pay up because, … why?</p>
<p>As EMM1 said, the rules are the rules, but who makes the rules? Aren’t we the adults now? Who set up such a perverse system?</p>