Kids have a way of growing up quickly (some would argue too quickly), and before you know it they'll be considering college. We've likely all heard the news lately that more and more young adults are saddled with student loan debt, and that the percentage who are defaulting on their loans is increasing. I'll reveal my age when I say I can remember when my college tuition was $365 per semester at Pittsburg State University for 18 hours of classes, which included additional fees.  Today's in-state tuition at Pitt State for a full-time student is $3,669, more than 10 times what I paid.  Granted, all costs have increased over the years, but is it any wonder that student debt is so high?