Perhaps its naivety on my part, but I don't see the problem with loans. At least not student loans over here; you don't have to pay them back until you're earning a certain amount, and even then it's in proportion to how much you're earning. Going by your post, though, it seems they ask for less money from folks who actually live in New York?

...dot com bold typeface rhetoric.
You go clickety click and get your head split.
'The hell you look like on a message board
Discussing whether or not the Brother is hardcore?