The reason that we won't see a huge shift in the number of low-income students who are attending Harvard and Yale is that the academic expectations are so high that while there are some students who would qualify, the numbers are not huge.

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We've seen a sea change, a real shift over the past generation from a system where less than half of students left with debt and now two-thirds leave with debt. Now, it's become the norm to leave with debt -- and often with a lot of debt.

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When low-income students are saddled with debt and have a low probability of completion, they end up worse off than if they hadn't attended college at all. You end up in a very difficult situation to get out of -- ever.

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