This book really helped me graduate debt free. It may or may not provide all the answers or explain rising tuition costs...but what the hec' can anybody explain them. I used this book to heighten my awareness about student lending prior to attending University. Thankfully, I'm employed in financial services now and referring clients to read this book! The key is to heighten the awareness prior to the student attending College or University, so they can take their best shot at graduating debt free. Best twenty dollars borrowed!