Except that's how this is usually done. Federal loans can be deferred and payments scale to income. The counterargument to the high cost of college is that she, or her parents, should have looked at how much it would all cost and chose a cheaper school. More aggressively, it really sounds like "by good fit" she meant "incredibly expensive facilities" or even "fits how I view myself as a high status person".

There are college where in-state tuition runs far cheaper and many states give free rides if you get a good SAT score. So it's incredibly hard for me to have much pity.