Most universities are operating as independent actors in the USA , regardless of being private or public entities, because of this the USA university can charge whatever they want, since most universities don’t filter by academic performance. Now this actually worked out well, most universities had low tuition as demand for them wasn’t too high, then the federal government implemented the student loan system without taking control of the universities fees systems, gauruntees government loan =we can charge fuck loads more!!!
The uk and Ireland in contrast have filters for students based on academic performance and only allow those whom succeed academically to advance, the university rate is fixed for all public unis (most are in Europe). Basically your federal governments incompetence is the reason why your college is so expensive.