I think you are confusing "universities" with "USA universities", specially when it comes to debt and GPA.
When the thread topic title starts with "Texas College Professor" on a US hosted web site, in English, not appending "in the USA" to every single assertion is not unreasonable.
Those of us outside the US may feel it's naive, but it's unlikely they'll change. The simplest thing for us to do is to assume they always mean USA-[topic].
Even if you take the money factor away, Have non-US universities really figured out higher education? Most of them tend to either be a lot more rigid in structure, or they copy from the US system.
Not saying that this approach is "better" - just that it suited me!