What is never mentioned. Is not rising costs it is instead decoupled buyers/consumers. What do I mean? Look at the board of trustees of any public college or

What is never mentioned. Is not rising costs it is instead decoupled buyers/consumers. What do I mean? Look at the board of trustees of any public college or university. Now remember these trustees are suppose to be acting in a financial responsibility to two parties or participants in buying and consuming public college education, the State and the State's citizens. Right now its skewed towards acting for the benefit of lobbyists those lobbyists being the College or University Administration. Remember folks that public college/university budgets a formed by state money and what fees can be raised by to support Administrator's contention that what the State proposed as budget is too low for the college/university due to wanting to cover costs of sports, unfunded liabilities added as a perk to keep professors,etc. On top of that decoupling we have our own Congress deciding that Banks or the government should loan money to students. What should be done is put the coupling back into the system: 1. No more independence state runs the college or university and accepts all liabilities. This forces for the first time colleges and universities accepting the level of state funding as there budget to follow rather than always raising tuition. Yes, things will get cut. Hopefully, its unfunded retirement perks and under-funded sports programs. 2. US Congress grants a grant program called lifetime college fund. You get a tax break for attending public college or university and the company that hires you after graduation gets a tax grant. Now here is the kicker. We fund it by buying a life-insurance on the student when they are born. State kicks in half and the Federal government kicks in half. It is far cheaper to pay for $40,000 in future dollars value by investing at year 1 to year 18 in life insurance policy value of $40,0000.. we are talking of paying only a $1000 to $1200 per year per student.. For example, there are 20 million k12 aged children in the US.. $20 million times $1200 a year is.. $2 billion.. compared to $1 trillion outstanding college debt.. you hedge rising college costs by starting a life insurance policy investment at birth..that is the only way to handle it. Cost wise per child the government would spend $1200 times 18 years or $21600 to get the future value of $45000 n college or university tuition paid for. That is cost savings of 50%.. Beat me folks can you come up with a plan to save 80%? I do not think so. Best part of plan if we only enact the life insurance policy to pay for college costs we save $1 trillion-$22billion or 90% or more per year when its fully enacted as far as having program fully in force for 20 years ..ie at year 20 we will be paying $22 billlion instead of interest in $1trillion in college debt as the government is now paying that interest directly while students are in school and indirectly in collections costs. That is at year 20 savings of 90%.. Come up with a better plan folks..