There was a time not too long ago when more than half of all Americans were able to pay for college without a loan. Now?
Ninety-four percent of students who earn a bachelor’s degree borrow to pay for higher education—up from 45 percent in 1993, according to an analysis by The New York Times of the latest data from the Department of Education.
This is not going to end well, says the deputy director of the Consumer Financial Protection Bureau: “If one is not thinking about where this is headed over the next two or three years, you are just completely missing the warning signs.”

Your first sentence can’t be true. “More than half of all Americans could pay for college without a loan?”
The article only says that 55% of people who got a bachelor’s degree didn’t need a loan. That’s called a self-selected group, and it’s NOT representative of “all Americans.”
Pedantic. The point stands.
Students majoring in accounting should know better.
@2. No, it’s not pedantic. and Reymont’s counter point is totally valid. the leading statement is misleading.