A couple of days ago, Zachary received a beautiful scarf from Hillsdale with a note saying that he might not need it now, but he surely would need it later. Our hearts broke a little that day; He had already told us he had made a decision. And so, Zachary made the most difficult call of his life yesterday. When he told us later in the day, our hearts broke a little more. But he made a mature decision.--he chose not have debt. I'm proud of him. He considers it a failure that he missed the 3.75 GPA by 1/10 of 1 point. That was tough. But he took 4 AP classes and Honors for everything else. I've seen others take a lesser load to achieve that coveted 4.0 +. His SAT score was high enough to be admitted to any school except a few Ivy League ones. To us, that's not academic failure and it's not to Hillsdale either. It was the debt that caused him to say "no" to his dream college. ...