Who has college loans? I do, I do…The cost of higher education is on a never-ending rise. And according to Professor Richard Vedder at Ohio University, not only does it cost significantly more educate a college student today when compared to a generation ago but in general Universities are becoming less and less efficient.And of course, the folks who normally study these things, University researchers and professors, are hesitant to criticize the system that hands them their checks and travel grants. Their students on the other hand (the ones without parents with extra cash) are racking up huge amounts of debt just to get a college education. Not to mention trying to steer clear of evil credit card companies that are doing everything they can to sign up unsuspecting kids…And debt follows you wherever you go — just ask James Scurlock, director of Maxed Out :