Thanks for the replies so far!

I'll try to summarize my info better, but a couple of points...

Yes, financial aid has lots of payback criteria...until The One figures out how to forgive it all...you don't believe it's possible?

401k's...there have been serious discusions on how to end the benefits "because they aren't fair" and also talk if government seizing the assets and replacing with gov sponsered plans similar to SS...you haven't heard of this possibility?

Maybe they are far-fetched...i don't think so with current trends...they have been discussed at fairly high levels...i will find some references...