As you know, the cost of college has gone up exponentially. That is due to well-meaning, poor-thinking liberal policies to make more and more money for kids to attend college. With "FREE" money, millions of kids who don't belong in college, sign up! With more kids and money, colleges build more and radically increase tuition.
I graduated with no loans as well. I attended two years at what was then a "Jr. College" and the last two at the University of Miami, a private school. I did win a tournament that paid me $10,000 which, to me then was a fortune.