裡面說的很清楚連parent plus loan都不算student loan。我舉的例子可大都是白給的所謂的“獎學金”。你這數字裡那個是明確說的白給的錢？

Sixty-six percent of all undergraduates received some type of financial aid in 2007–08. For those who received any aid, the total average amount received was $9,100. Fifty-two percent received grants averaging $4,900, and 38 percent took out an average of $7,100 in student loans. Seven percent received aid through workstudy jobs averaging $2,400 in wages, 2 percent received an average of $5,400 in veterans’ benefits, and 4 percent of students had parents who took out an average of $10,800 in Parent PLUS loans. Parent PLUS loans are included in total aid but are not included in student loans because they are loans for parents of dependent students.

這段裡面38+7+2+4=51，總共66，剩下的15是什麼呢？我沒找到。這也就是我還不能完全否定你的數據的原因，夠公平的了吧？