**Intact Gift Giving Condition book**

It didn’t always take thirty years to pay off the cost of a bachelor’s degree. The untold history of how America’s student-loan program turned the pursuit of higher education into a pathway to poverty. Elizabeth Tandy Shermer untangles the history that brought us here and discovers that the story of skyrocketing college debt is not merely one of good intentions gone wrong. In fact, the federal student loan program was never supposed to make college affordable.