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<p>And that, to me, is your over estimation. To teen agers, debt is just an abstract number. Moreover, no one goes into college assuming that they will be in the bottom half of the graduating class, yet 49.9% are guaranteed to be just that. Assuming that any matriculating Frosh will “do well enough” is a fool’s-errand. At best, the OP should assume that s/he will be mid-point, and with debt. </p>
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<p>Source (that students at midpoint are successful), please?</p>