While I agree that it should be more affordable and our system is broken, I don't think it's a bad idea to work within the system to see what works out as the best long term option for being better off, from a purely financial perspective. Then the security and emotional side can be considered perspective. More financial literacy, not less is what leads to changing the system. When people don't understand the system, they don't have the same level of political support for changes that can actually work.