Hey all. I agree, Mal. I took out a small student loan before I earned that scholarship (only about 2000 bucks) on the advice of my stepfather. Stupidest thing I ever did. Years later, probably through the darn IRS, the student loan people found me and started the harassing phone calls. I usually asked each person who called me asking me for the now nearly 10thou $ (wow, did that interest accumulate!) if they had a student loan, and you know what? Most of those poor blokes were working off their overdue student loans by working the call boards to harass others who had not paid back the student loans when the jobs didn't appear once the mortar board was thrown into the air. I also observed people I respected in history who got to the heights without having had a university degree and asked myself again and again why it was (and we're only talking the 1980s now!) that people couldn't make friends, influence people and even get rich without having gone through the process of getting a BA (which basically was how any state university supported itself, making students take a variety of classes they were not going to need, with the excuse of having a well-rounded education while actually keeping departments economically alive), then grad-school then the PhD or the Doctorate or the MFA or whatever. Who really needs six years of university to not work as an actor or director? How did I manage to get work in Broadway theatre without having that piece of paper? Don't get me wrong, university is a fine idea, it should just be better managed, should even be free, there's nothing more important than investing in the education of the youth, we'll all need dentists and doctors when we're older people, when the dentists and doctors that currently practice decide to retire. We can spend sooooo much money on "defense" but we can't foot the bill for kids, young adults, even "seniors" like ourselves with a desire to improve ourselves through education? The hoops that must be jumped through are all too often made of extended hands trying to get money (though the professors themselves may have a vocation, but where else are they going to share their knowledge-- people want a certificate that says they've accumulated that knowledge, so it's not enough to simply tutor people in their homes to satisfy their intellectual needs). I, myself, would get education out of the system, out of the institution, would put it back into the hands of experience and hard work and an honest desire to share and learn. But I'm always dreaming like that. peace, revel.