Yeah, but it was his fault that he or she is only second-tier. Right? It&#x27;s always his or her fault, regardless.<p>In which case, the solution is still the same one, don&#x27;t let to the second-tie schools get loans, and force them to become more affordable, competing on price with first-tier programs, or if there are not enough students interested in low cost second tier programs, force them to shut down.