You've explained very nicely, thank you. (er-- I think. LOL)
But you still haven't yet explained what those terms "really bad" actually mean.
I'm having trouble stretching my brain to encompass what it could possibly entail.
It's probably a sign that I'm irrelevant.  

  LOL.
Ooo--OO-- I just need a printing press in my basement, don't I?  That's it!  I'm so happy that I understand now.  I feel better.  Thanks, JonLaw, for explaining how* College Can be Affordable for Me!  

* well, until I get caught with my printing press.