Student debt is an issue close to my heart. I received my undergrad from a middle tier small public state university in the US. I received a very good ROI on

Student debt is an issue close to my heart. I received my undergrad from a middle tier small public state university in the US. I received a very good ROI on the money spent. 25 years later(graduated 93) the out of state cost has exploded 500% Meanwhile starting salaries for Liberal Arts grads has barely moved since 1993, only circa 10% or so. “Purchasing” a salary with a degree should have a positive ROI, rather than a negative ROI. My thoughts are as follows: Universities should have the same standards as print advertisers and used car dealers. Graduation rates, starting salary rates, return on education $ invested rates should be independently audited(like readership audits for advertisers in print ad industry). And education consumers should have car industry Lemon Law like protection against universities selling indentured servitude rather than value-add education. My kids use Khan Academy, Duo Lingo, Amy.ac AI Math Tutor(disclosure, I’m on the cap table as investor), and Fender Play 5 days a week. I’m rooting for Ed tech outfits like Khan Academy, Coursera, EdX(and of course Amy.ac) as an Ed Tech sector to transform education. We are looking hard at Harvard Extension School for our children as a possible hybrid option for them. 1)School brand value 2)Online and in person learning requirements 3)educational rigor 3)Value of #1 & #2 & #3 While Harvard Extension School is traditionally for adult employed learners(and has been around for a long time as a correspondence school), I think their branded hybrid approach points to the future. All I know is that countless middle to bottom tier schools are doomed. To me, the financialisation of higher education achieves two goals: 1) Banking sector profiting from indentured servitude 2) University white collar worker bloat is akin to the “manufacturing” blue collar construction jobs that evaporated after the housing bubble of 2002-2009 Just my 0.02c