Colleges are struggling because some are producing an infirior product.  Students with massive debt are subsidizing massive campus expansion, ridiculous programs, and teachers and courses that do not prepare them for gainful employment

Informing and teaching on topics that are interesting but irrelevant to employers is not a quality service

Colleges should underwrite student loans with their endowments.  If they believe in their product, they should stand behind their ability to produce quality educated professionals

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