It is something of a truism that whenever the federal government steps in, costs usually rise and efficiency declines. That is especially true when it comes to a college education, which President Obama promised during the 2008 campaign to make more affordable.
I don't know if it's Dodd-Frank. Or if it's Barney Frank and Christopher Dodd themselves. Or if it's just the big bankers. But the reality is, our banking system is completely screwed up when it comes to getting a home loan.