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Housing has pretty much tracked inflation since the beginning on time (housing is one of the largest costs that is calculated into inflation, so that's kind of a tautology). Some cities have experienced rapid growth in housing costs, but those are mainly cities where people get paid well. Taking loans for college is still a good deal for most students, but of course there are experts who come down on both sides of that one, e.g. Neil Irwin and David Leonhardt.