Why does it cost to much money?

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There are other factors, such as increased technology costs for certain majors that are spread amongst all students. Another major factor is that administrative costs have gone way up in 2 ways: First the pure number of administrator per student ratio has greatly increased and schools are not worried about this bloated bureaucracy. Then the administrators' salaries are sky high compared to other faculty, and they won't even consider controlling those costs while trying to drastically cut other costs.

Another factor is that many colleges and universities (in the US at least) have officially become for-profit institutions. This allows them to charge whatever the market will bear. In these difficult economic times, a college education becomes much more sought after, which lets them jack up the prices as much as they want.

The funding aspect is all a hoax. Support workers and teaching assistants are paid lousy salaries for starters even in higher education settings. It boils down to a lack of interest by senior academics, anathema, or a reluctance to provide services for a small minority because the benefits in providing for the many or traditional disabilities are greater. Higher education is in a dilemma between wanting more students to bring in the money and having too many (low ability?) students who really shouldn't be there. Students with certain types of SEN often end up in the low ability pile because higher education is built on a bedrock of you can either get good grades in exams (without extra support) or you can't. If you can't then you are a weak student. Providing extra support for students with SEN is seen by many traditional academics as anathema. Some courses like engineering attract large numbers of overseas students to fill seats in classrooms. This provides departments with little incentive to improve support services for home students with SEN in order to increase numbers or help them to achieve better grades.