Tag: student debt
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Parent PLUS loans are predatory and the government is the predator
Parent PLUS loans approve almost anyone, charge punishing rates, and trap families in debt they can’t discharge. Call it what it is: federal predatory lending.
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The everyone should go to college mandate did more damage than good
Pushing every student toward a four-year degree inflated tuition, hollowed out trades, and saddled non-completers with debt. The data is hard to ignore.
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For-profit colleges are scams and accreditors enable them
For-profit colleges have been documented to mislead students, saddle them with debt, and produce poor outcomes. Accreditors keep certifying them anyway.
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The four-year degree should be killed and replaced with three
The four-year bachelor’s is a historical accident, not a learning requirement. A three-year degree saves money, time, and student burnout without losing rigor.
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Public universities became expensive because states stopped funding them
Tuition didn’t explode because colleges got greedy. It exploded because states cut per-student funding by half — and the bill got moved to families.
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Law school is a bad investment for everyone outside the T14
Outside the top 14 law schools, the JD math gets ugly fast. Here’s why the median outcome is debt, mediocre pay, and a job market that quietly stopped hiring.
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Community college is the most underrated path in American education
Community college quietly delivers strong outcomes at a fraction of the cost. Here’s why it’s the smartest move in American higher education for many students.
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College is a bad financial decision for most students who attend
The average return on a college degree is positive, but the median is misleading. For many specific students, the financial math doesn’t actually work out.