Several years ago, I was chatting with a friend who was laboring under an almost six-figure undergraduate debt after attending a prestigious, top-tier university and then becoming a public school teacher. We had both paid particularly close attention when our most trusted high school mentor, an alumnus of such illustrious schools as Holy Cross and Brown University, told us sagely that when it comes to college, “You get what you pay for.” The schools we chose to grace with our attendance were both pricey, well-regarded institutions of higher learning, but the difference between us was that my education was almost entirely paid for with scholarships and grants. My friend, on the other hand, had to finance his degree. He had reached the end of his deferment eligibility on some of his student loans, and he was feeling the pressure. I could see that he was beginning to panic.