Three primary factors associated with increasing the total amount of U.S. student loan debt are: Group of answer choices States spending more on higher education; less students attending more efficient private colleges; greater demand for college degrees States spending more on higher education; greater access to government guaranteed (and subsidized) higher education loans; increasing college tuition costs Increasing college tuition costs; greater access to government guaranteed (and subsidized) higher education loans; greater demand for college degrees States spending more on higher education; greater access to government guaranteed (and subsidized) higher education loans; greater demand for college degrees