In my humble opinion, our society is prone to falling into what I call a “drive-up window mentality." By that, I mean we have so many opportunities before us that we can grow very impatient about getting what we want. Instant credit, microwave eggs, fast cash, no money down, express lunch, lose 30 pounds in 30 days … and so on -- and many of these choices lead to debt.
In the world of higher education, the lure of getting into that one and only first-choice school can lead to making irrational decisions about paying for it. Enjoying the rush of being admitted, along with the attending "prestige," can act like a mind-altering drug on objective thinking. “I know what I want and I want it now!" is a commonly seen attitude among younger people, especially those seeking top (or even not-so-top) colleges.