That creates a moral hazard - the university can raise tuition without any real risk, because the government will lend however much the student needs. Granted, it’s not quite that simple, but it’s close. When I was in college, it was possible to work your way through a state school. I had some friends who did that. Now? It’s basically impossible. And tuition keeps rising at a rate far faster than the nominal rate of inflation.”“So you think loans are a bad thing?”“It’s going to lead to a serious crisis when even a good job doesn’t allow you to pay off your loans in a reasonable amount of time. Doctors already have that problem, but at least they have the prospect of significant income after Residency to help them pay off those loans. Have you researched starting salaries for journalists? And what the cost of repaying your loans will be?”“Uh, no.”“I think you’re going to be surprised when you do. You aren’t borrowing the full amount of tuition, right?”“Right. And I live at home,. She wrappedher arms around him, and Rick lay his head against her shoulder,instantly feeling safe and protected in her arms."There, there, princess. You're safe with me." She held him tight andstroked his hair, feeling his body relax as his fears ebbed away. Shelifted up his face and kissed him, gently at first, then with increasingpassion, feeling him melt into the embrace like a schoolgirl with herfirst kiss.As Rhona kissed him, Rick felt a surge of emotion coursing through him.This woman had humiliated him; dressing him in lingerie like a girl,calling him princess, making him wear a collar and lead, forcing him tosubmit to a strange woman. He knew he should hate her, but it was thenit hit him like a thunderbolt. At every point he could have refused, heshould have stood up to her, said no to every crazy demand, but hehadn't. Instead he had gone along with everything. He hadn't been forcedto do these things, he had wanted to do them. It had been his choice.That sudden revelation.
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