Word: tuitions
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Most graduate students study debt-free. In humanities concentrations, tuition is paid by fellowships for the first three years, and funded through teaching jobs after that. In some science sections, students are expected to teach from the beginning...
Though it varies by department, tuition is often waived for students who teach--they also receive pay. Individual departments can cut off stipends after a certain number of years, and after ten years all students must reapply to GSAS...
...state-run college savings plans can hurt those who qualify for financial aid, says collegemoney.com These 529 plans treat withdrawals as student income, so gains are taxed at the child's low rate. But this jacks up the amount of money a family is required to pay for tuition, because a child's income is weighted more heavily than a parent's assets. Families in lower tax brackets might be better off with ordinary mutual funds...
...Harvard students, extreme solipsism may lead us to believe that our fate is of crucial importance to the "middle class," broadly conceived. Simply put, it is not. Keep in mind that elite higher education affects only a miniscule number of Americans. The astronomical tuition fees of a Harvard or a Swarthmore are very different from those seen at most public colleges and universities across the country, the real seedbed of the middle class...
...over ourselves. Should we really be worried about the overwhelmingly white and Asian upper-middle-class kids (we used to call them rich) who have to pay full tuition? Even at the low end, these families aren't hurting, certainly not relative to those in dire need around the world. I'll save my tears for others...