The role of nearly unlimited federal financial aid rarely receives any attention in the current debate over the causes of skyrocketing college tuition. Very few students, or their parents, are able to pay tuition costs out of pocket anymore. Many private schools now charge between $30,000-$50,000 a year. Even at a number of state schools tuition and fees now hover around $20,000. Since most college students do not come from families blessed with thousands of dollars in extra cash, most end up having to borrow money. According to the New York Times, the average student loan debt for all borrowers was over $23,000 in 2011. The problem does not appear…