@austinmshauri “If you have to borrow to pay, the school isn’t really affordable.”
If you are coming from the perspective that the parents should pay the entire cost of their children’s college, then I can see your point. If, on the other hand, you believe that the student should have some skin in the game (more than 5500 out of 35000), then borrowing is one way to achieve that, especially if their contribution from part-time work is insufficient.
Oh, I’m not sure I’m following your latter logic but I think your point is if you need to borrow then you should go to community college. Why?