What do you mean? Collage and University is free. You only have to pay for study material and rent! And the Government provide you with free studygrants and loans at an affordable rate and payback plan.
I am not sure what country you are from (or if you are being sarcastic?), but it is definitely not America.
If you have to go 100K into debt, this is a huge barrier to entry. It means that only rich people, or those who are willing to shackle themselves into debt, can afford to go to college.