I agree with you. My mother is a former financial aid officer at Trent University, and when I graduated about 12 years ago I owed about $26,000, so I can relate to where you're coming from.
At some point we need to determine the student's contribution. In some cases it's a parental contribution, and they're not encumbered by any debt. Making loans more easily accessible isn't necessarily the answer to everything, but reform of the loan system, of the way it works, would achieve quite a bit of what we're looking for, and in coordination with better funding it would get us to where we need to go.
I don't like the exclusions in the loan process. Maybe you could talk a little bit about that. A lot of people don't qualify for loans and they don't have the ability to pay.