I certainly can't speak for everyone during my time at NTSU (1967-1971), but for the most part, there was no student debt. For most of us it was "pay as you go". If you didn't have the cash you sat out the semester, went to work or joined the armed forces before you got drafted. Here's an attachment to a letter that I wrote my Dad showing what my costs were for my first semester taking 16 hours. I lived at The University House only because during the summer of '67 my mother made her one and only trip to Denton so she could see the dorms. No sooner had we walked in the door at West when a very large mouse ran across the hall right in front of her. She turned on her heels and told Dad, "He's not staying here, so you better figure something else out." Oh, that $48 stay at the hospital was for two weeks in November. The big issue was the $75 phone bill. But that's a story for another time. Most jobs for HS and college kids paid $1.25 an hour. By the time I got married (summer of 1970) I was working at Lincoln Park (at the beer gettin' place) for $2.00 an hour which was top dollar for the Denton area.