More than half of students are on financial aid and the average aid at Harvard is $53k per year. Only the really wealthy pay full sticker, so I don't think debt

More than half of students are on financial aid and the average aid at Harvard is $53k per year. Only the really wealthy pay full sticker, so I don't think debt at Ivy Leagues is generally an issue. It seems they are really best-placed to take risks. I like your point about required maturity. Certainly many of my texts read in high school English need to be revisited. Maybe students should be cycled in and out of formal education.