You guys who Yewt and cry about how bad the HC is are just like the Yewts who cried when their adjustable rate mortgage jumped up and increased their payment.

Both groups asked for the deal.
Both groups knew exactly what the program was before they signed up.
Both groups knew the consequences for violating the terms of the agreement.
And both groups CRIED, YEWTED, AND COMPLAINED after they got exactly what they asked for.

The time to ask for changes in the terms of the deal is BEFORE you sign it......not later when you realize you can't keep your end of the bargain, or you decide you just don't like the terms you agreed to.

If the HC isn't for you, don't go to BYU and don't send your kids. My son and grand kids will be happy to take those slots and won't cry about the standards.