John P, what rubbish. Maybe it's not available in Europe or UK, but have you ever heard of a "bank loan"? I was born to a struggling family in a 3rd-world country, immigrated to the US when I was 18, worked full-time as a waiter (10 hour days) while going to night school to get my university degree, took out a high 5-figure loan to pay for my B-school (a top 10 B-school in the US), and paid it all off within 2 years due to the high salary and bonuses I'm currently making at a top-tier Strat firm. Whenever I hear of an American or European complaining about "not having enough opportunities", I thank God that not all people are not willing to work as hard...otherwise, I really wouldn't have any opportunities!! Sorry to say, hard work really does make a difference.