IMO, the main problem with university finances is the easy loans and the fact they survive bankruptcy - the only loans I'm aware of with this status. Without t

IMO, the main problem with university finances is the easy loans and the fact they survive bankruptcy - the only loans I'm aware of with this status. Without this easy money, colleges and universities could not have raised tuition like they have, because most people couldn't pay it. But with the loans, colleges and universities are flush with cash, so they build extravagant dorms, hire way too many administrators, VP's, etc. My idea to fix this is to make the universities provide the loans. Then they have an incentive to make sure students graduate and have a career path that makes sense (and money!) We have allowed and encouraged an entire generation to screw themselves with these outrageous loans.