I agree with getting the US Gov out of the loan business, but i think we the market to react, and it has begun to.<p>For many professions, colleges can be substituted by trade schools. We are already seeing this surge in software, and i think we can expect the trend to move into other verticals. At some point, and for some majors this has already happened, a BS&#x2F;BA stands to lose you money over a lifetime.<p>At a point, college is no longer fiscally viable. In these cases, a cheaper, more targeted approach is highly marketable.