I would say "between" because it is a preposition.
Answer:
If you're saying that yes, the cost of college is too high, then one argument is that often times even students who get scholarships have to take out student loans. Scholarships cover tuition, but many times they do not cover the cost for books, dorms, and test costs which are so expensive each year that many students have to take out loans for just that.
The subjunctive mood is the best.
The subjunctive is rarely used in colloquial English. Totally irrelevant information, but... it is a relic from Latin, where there are many uses for a subjunctive. There is even a special conditional using the subjunctive mood that expresses the exact circumstances you described, which is usually called future less vivid.
