The people I consider "unwilling" are NOT the one applying to attend college. . . and if a lazy or 'unwilling' person DOES get in - they won't last long. If they get in on a scholarship or even FAFSA benefit of some type they have to maintain good performance.
For the lazy and unwilling THAT'S not very possible.
Have you applied for Financial Aid? I did - though I was rejected - it took an immense amount of pre-planning and effort on my part.
Now, it's great that you were married and had kids - and were able to still work and get through college. But I surely couldn't pull that off. My husband works, I don't - but I do everything else that he doesn't have time for. . . and I'm barely pulling off 4 classes this semester because of *time* - there just aren't enough hours in a day.