Let’s say you start out as a struggling young person in search of a better life. You apply yourself in school and cram your schedule full of extracurricular activities so your resume will appear picture perfect. Between volunteering to deliver Meals on Wheels to the elderly and that flawless grade point average, you are able to set yourself apart from your peers. You always behave with decorum and take on any extra work you can to save for your education. You apply for every scrap of financial aid available and manage to cobble together enough scholarships and grants to get yourself through four years at a state college or university. You do everything the so-called “right” way, within your limited means.