Exactly. Also, I don&#x27;t have a source for this off the top of my head, but from what I&#x27;ve read most of the crisis in loan repayments comes from people who don&#x27;t graduate. Starting but not graduating may be the most perfidious outcome.<p>In addition, &quot;college&quot; doesn&#x27;t make much sense as a category of discussion, because &quot;college&quot; is so many different things. I&#x27;ve been writing as much for years: <a href="http:&#x2F;&#x2F;jakeseliger.com&#x2F;2012&#x2F;12&#x2F;15&#x2F;college-william-deresiewiczs-tsunami-and-better-ways-of-thinking-about-university-costs&#x2F;" rel="nofollow">http:&#x2F;&#x2F;jakeseliger.com&#x2F;2012&#x2F;12&#x2F;15&#x2F;college-william-deresiewic...</a> and doing so mostly futilely, it seems.