Hyper-Deregulation and the College Meltdown

In March 2025, Studio Enterprise—the online program manager behind South University—published an article titled “A New Era for Higher Education: Embracing Deregulation Amid the DOE’s Transformation.” Written in anticipation of a shifting political landscape, the article framed coming deregulation as an “opportunity” for flexibility and innovation. Studio Enterprise CEO Bryan Newman presented the moment as a chance for institutions and their contractors to do more with fewer federal constraints, implying that regulatory retreat would improve student choice and institutional agility.

What was framed as a strategic easing of oversight has instead arrived as a form of collapse. By late 2025, the U.S. Department of Education has become, in functional terms, a zombie agency—still existing on paper, but stripped of its capacity to regulate, enforce, or even communicate. Consumer protection, accreditation monitoring, program review, financial oversight, and FOIA responses have slowed or stopped entirely. The agency is walking, but no longer awake.

This vacuum has emboldened not only online program managers like Studio Enterprise and giants like 2U, but also a wide array of entities that rely on federal inaction to profit from students. The University of Phoenix—long emblematic of regulatory cat-and-mouse games in the for-profit sector—now faces minimal scrutiny, continuing to recruit aggressively while the federal watchdog sleeps. Elite universities contracting with 2U continue to launch expensive online degrees and certificates whose marketing and outcomes would once have been examined more closely.

Student loan servicers and private lenders have also moved quickly to capitalize on the chaos. Companies like Aidvantage (Maximus), Nelnet, and MOHELA now operate in an environment where enforcement actions, compliance reviews, and borrower complaint investigations have slowed to a near standstill. Servicers once accused of steering borrowers into costly forbearances or mishandling IDR accounts now face fewer barriers and far less public oversight. The dismantling of the Department has also disrupted the small channels borrowers once had for correcting servicing errors or disputing inaccurate records.

Private lenders—including Sallie Mae, Navient, and a growing constellation of fintech-style student loan companies—have seized the opportunity to expand high-interest refinance and private loan products. Without active federal oversight, marketing claims, credit evaluation practices, and default-related consequences have become increasingly opaque. Borrowers with limited financial literacy or unstable incomes are again being targeted with products that resemble the subprime boom of the early 2010s, but with even fewer regulatory guardrails.

Hyper-deregulation has also destabilized the federal loan system itself. Processing backlogs have grown. Borrower defense and closed-school discharge petitions sit in limbo. Decisions are delayed, reversed, or ignored. Automated notices go out while human review has hollowed out entirely. Students struggling with servicer errors find there is no functioning authority to appeal to—not even the already stretched ombudsman’s office, which is now overwhelmed and under-directed.

Across the sector, the same pattern is visible: institutions and corporations functioning without meaningful oversight. OPMs determine academic structures that universities should control. Lead generators push deceptive marketing campaigns with impunity. Universities desperate for enrollment sign long-term revenue-sharing deals without public transparency. Servicers mismanage accounts and communications while borrowers bear the consequences. Private lenders accelerate their expansion into communities least able to withstand financial harm.

Students feel the effect first and most painfully. They face rising costs, misleading claims, aggressive recruitment, and a federal loan system that can no longer assure accuracy or fairness. The collapse of oversight is not theoretical. It manifests in missed payments, lost paperwork, incorrect balances, unresolved appeals, and ballooning debt. For many, there is now no reliable path to recourse.

Studio Enterprise saw deregulation coming. What it left unsaid is that removing federal guardrails does not produce innovation. It produces confusion, predation, and unequal power. Hyper-deregulation rewards those who operate in the shadows—OPMs, for-profit chains, high-fee servicers, and private lenders—while those seeking education and mobility carry the burden.

This moment is not an evolution. It is an abandonment. Higher education is drifting into an environment where profit extraction flourishes while public protection evaporates. Unless new sources of oversight emerge—federal, state, journalistic, or civic—the most vulnerable students will continue to pay the highest price for the disappearance of the referee.

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Sources

Studio Enterprise, A New Era for Higher Education: Embracing Deregulation Amid the DOE’s Transformation (March 2025).
HEI archives on OPMs, for-profit colleges, and regulatory capture (2010–2025).
Public reporting and advocacy analyses on student loan servicers, including Navient, MOHELA, Nelnet, Aidvantage/Maximus, and Sallie Mae (2015–2025).
FOIA request logs, non-responses, and stalled borrower relief cases documented by HEI and partner organizations (2024–2025).
Federal higher education enforcement trends, 2023–2025.

College Mania: The Spell is (Almost) Broken, But Hyper-Credentialism Remains

For decades, America was gripped by college mania, a culturally and structurally manufactured frenzy that elevated higher education to near-mythical importance. Students, families, and society were swept up in the belief that a college degree guaranteed status, financial security, and social validation. This was no mere aspiration; it was a fevered obsession, fueled by marketing, rankings, policy incentives, and social pressure. Today, the spell is breaking, but the demand for credentials persists.

Historically, the term “college mania” dates to the 19th century, when historian Frederick Rudolph used it to describe the fervent founding of colleges in the United States, driven by religious zeal and civic ambition. Over time, the mania evolved. Postwar expansion of higher education through the GI Bill normalized college attendance as a societal expectation. Rankings, elite admissions, and media coverage transformed selective schools into symbols of prestige. By the early 2000s, for-profit colleges exploited the frenzy, aggressively marketing to students while federal and state policy incentivized enrollment growth over meaningful outcomes.

The early 2010s revealed the fragility of this system in what I have described as the College Meltdown: structural dysfunction, declining returns on investment, predatory practices, and neoliberal policy failures exposed the weaknesses behind the hype. At its height, college mania spun students and families into a cycle of aspiration, anxiety, and debt.

Now, even students at the most elite institutions are disengaging. Many do not attend classes, treating lectures as optional, prioritizing networking, internships, or social signaling over actual learning. This demonstrates that the spell of college mania is unraveling: prestige alone no longer guarantees engagement or meaningful educational outcomes. Families are questioning the value of expensive degrees, underemployment is rising, and alternative pathways, including vocational training, apprenticeships, and nontraditional credentials, are gaining recognition.

Yet the paradox remains: for many jobs, credentials are still required. Nursing, engineering, teaching, accounting, and countless professional roles cannot be accessed without degrees. The waning mania does not erase the need for qualifications; it simply exposes how much of the cultural obsession — the anxiety, overpaying, and overworking — was socially manufactured rather than inherently necessary for employment. Students are now forced to navigate this tension: pursuing credentials while seeking value, purpose, and meaningful learning beyond the symbol of the degree itself.

The breaking of the spell is not unique to higher education. History demonstrates that manias — economic, social, or cultural — rise and fall. College mania, once fueled by collective belief and systemic reinforcement, is now unraveling under the weight of its contradictions. Institutions must adapt by emphasizing authentic education rather than prestige, while policymakers can prioritize affordability, accountability, and outcomes. Students, in turn, may pursue paths aligned with practical skills, personal growth, and career readiness rather than chasing symbolic credentials alone.

The era of college mania may be ending, but with the spell broken comes an opportunity. Higher education can be reimagined as a system that serves public good, intellectual development, and genuine opportunity, balancing the need for credentials with the pursuit of meaningful education.

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Sources:

Frederick Rudolph, The American College and University: A History (1962).
Frank Bruni, Where You Go Is Not Who You’ll Be: An Antidote to the College Admissions Mania (2015).
Dahn Shaulis, Higher Education Inquirer, “College Meltdown and the Manufactured Frenzy” (2011–2025).
Stanford Law Review, Private Universities in the Public Interest (2025).
Higher Education Handbook of Theory & Research, Volume 29 (2024).
Recent reporting on student engagement, class attendance, and labor-market requirements for degrees, 2023–2025.

The College Meltdown: Pruning in Chernobyl

Since the fallout of Occupy Wall Street in 2011, a small but persistent movement has sought to expose the widening inequities and systemic failures in U.S. higher education. We have agitated, analyzed, and educated, warning that the “market-driven” model championed by elite managers—presidents, trustees, CFOs, and state policymakers—would erode both academic quality and access. Today, that warning has become reality.

The College Meltdown is not a metaphor. It is a literal unraveling of an ecosystem where public support has eroded, tuition has skyrocketed, and students are left with crushing debt. Colleges are shuttering campuses, programs are disappearing, and adjuncts—already the backbone of instruction—face insecure employment. Meanwhile, neoliberal administrators, entrusted with guiding institutions through turbulence, have mostly engaged in cosmetic pruning rather than systemic reform.

This is not accidental. The managerial class in higher education—driven less by pedagogy than by budgets, branding, and financialization—has embraced austerity measures that protect elite interests while passing costs to students and staff. Endowment growth, athletics spending, and executive compensation often take priority over the academic mission. HBCUs and tribal colleges, already underfunded, bear the brunt of this mismanagement.

Efforts to stabilize the system have been tepid at best. Proposals for meaningful structural reform, from debt relief to state reinvestment, are watered down by political and market pressures. Neoliberals tout efficiency and innovation, yet rarely address the underlying moral crisis: the deliberate prioritization of profit over learning, and the failure to cultivate a socially responsible citizenry.

Our own engagement, since 2011, has aimed to shine light on these contradictions. We have chronicled how policies favoring privatization, corporate partnerships, and debt-financed tuition have created conditions ripe for collapse. We have amplified voices of students and faculty navigating these pressures. And we have challenged complacency in the academy, insisting that higher education be measured not just by financial metrics but by its capacity to educate, empower, and expand human potential.

“Pruning in Chernobyl” captures the essence of this moment: managerial actors trimming the edges while radioactive structural failures spread unchecked. Unless institutions confront the root causes—inequality, extractive financial models, and an erosion of public purpose—the meltdown will deepen. Our work remains to educate the public, hold decision-makers accountable, and imagine a higher education system that nurtures learning rather than merely managing decline.

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Sources:

1. Higher Education Inquirer Archives, 2016–2025.

2. American Injustice Archives, 2008-2012. 

Remembering SNCC and CORE

To remember CORE (est. 1942 in Chicago) and SNCC (est. 1960) is to remember a democracy built not by elites but by everyday people—students, sharecroppers, domestic workers, bus drivers, teachers, and the poor and working class across the Jim Crow South and the segregated North. It is to remember Ella Baker’s wisdom, Diane Nash’s determination, Bob Moses’s quiet power, Fannie Lou Hamer’s moral force, James Farmer’s strategic brilliance—and also the thousands of unnamed organizers who risked everything without ever appearing in a textbook, a documentary, or a university lecture hall. Their names may not be widely known, but their work forms the backbone of the freedom struggle.

CORE and SNCC and were never celebrity movements. They were people-powered, grassroots engines of democracy. They were built by individuals who knocked on doors in rural counties where Black voter registration hovered near zero; who faced armed sheriffs, Klan mobs, and white citizens’ councils; who farmed during the day and attended movement meetings at night; who ferried activists to safe houses; who housed Freedom Riders despite threats of arson and lynching; who cooked for mass meetings; who walked into county courthouses where their presence alone was an act of political defiance. These unnamed contributors shaped history as much as the well-known leaders, and their invisibility in public memory is itself a measure of how selectively the United States remembers the struggle for justice.

Ella Baker insisted from the beginning that the movement’s strength rested in ordinary people discovering their own power. That is why she pushed for “group-centered leadership,” refusing the myth that liberation depends on a single, heroic figure. Her practice of listening deeply—and her belief that the least recognized people held the deepest wisdom—permeated SNCC’s organizing culture. It is a challenge to institutions today, especially universities that still cling to hierarchical models of governance and expertise.

CORE’s early commitment to interracial, nonviolent direct action emerged from a similar belief in collective action. Its activists—people like James Farmer, Bayard Rustin, and George Houser—helped introduce the tactics that would soon reverberate across the nation: sit-ins, freedom rides, boycotts, and jail-ins. CORE’s work in northern cities also exposed the hypocrisy of institutions—including universities—that claimed moral high ground while upholding segregation in housing, employment, and policing.

SNCC’s field secretaries—Charles McDew, Ruby Doris Smith Robinson, and Prathia Hall, and so many others—did work that higher education still struggles to fully comprehend. Their organizing went far beyond protest; it involved listening to community elders, teaching literacy classes, building independent political organizations, challenging disenfranchisement at every level, and nurturing local leadership. Behind each of those actions were dozens of unnamed individuals who opened their homes, shared their limited resources, and stood guard against retaliation.

Remembering the unnamed is not sentimental. It is foundational. The freedom struggle was sustained by people whose names were never printed, whose stories never made the evening news, and whose families bore the consequences. Many were fired from their jobs, evicted from their homes, or harassed by police. Some disappeared from public life after the movement years, carrying trauma with little public recognition or support. Their sacrifices made the Civil Rights Movement possible, and higher education owes them a debt it has never acknowledged.

Today’s universities still wrestle with the structures the movement confronted: racialized inequality, policing, surveillance, donor influence, and hierarchical authority. Many of the same dynamics SNCC and CORE challenged—white paternalism, economic exploitation, authoritarian governance—are alive in campus politics and in the broader “college meltdown,” where austerity, privatization, and predatory actors erode public trust and opportunity.

To honor SNCC, CORE, and the thousands of unnamed organizers is to affirm that democracy emerges from the ground up. It means recognizing that real change requires more than symbolic gestures or PR-friendly “initiatives.” It demands revisiting Ella Baker’s core insight: strong people do not need strong leaders—they need structures that cultivate collective power.

Remembering them means acknowledging that the freedoms we now take for granted—voting rights, desegregation, access to education—were won not by institutions, but by people who challenged institutions. And it means seeing the present clearly: that grassroots organizing, from campus movements to community struggles, remains essential to confronting the crises of inequality, debt, climate, surveillance, and governance that define our era.

To remember SNCC and CORE is to remember not just the famous, but the countless unnamed: the hosts, the watchers, the singers, the marchers, the jailmates, the caretakers, the strategists, the frightened but determined teenagers, the elders who said “yes,” and the ones who insisted that freedom was worth the risk. Their legacy is the true measure of democracy—and a guide for what higher education must become if it is to serve justice rather than power.

Sources
Clayborne Carson, In Struggle: SNCC and the Black Awakening of the 1960s.
Thomas F. Jackson, From Civil Rights to Human Rights: Martin Luther King Jr. and the Struggle for Economic Justice.
Charles M. Payne, I’ve Got the Light of Freedom: The Organizing Tradition and the Mississippi Freedom Struggle.
James Farmer, Lay Bare the Heart: An Autobiography of the Civil Rights Movement.
Taylor Branch, Parting the Waters: America in the King Years.
Barbara Ransby, Ella Baker and the Black Freedom Movement.
Danielle L. McGuire, At the Dark End of the Street.
SNCC Digital Gateway, Duke University.

Same Predators, New Logo: PXED — A $22 Billion Student‑Debt Gamble Investors Should Beware

Warning to Investors: Phoenix Education Partners (PXED) may present itself as a cutting‑edge solution in career-focused higher education, but it’s built on the same extractive infrastructure that powered the University of Phoenix. With nearly a million students still owing an estimated $22 billion in federal loans, backing PXED isn’t just a financial bet — it’s a moral and reputational risk.

PXED’s leadership includes powerful private-equity players: Martin H. Nesbitt (Co‑CEO of Vistria, PXED trustee, and friend of Barak Obama), Adnan Nisar (Vistria), and Theodore Kwon and Itai Wallach (Apollo Global Management). Also in the mix is Chris Lynne, PXED’s president and a former Phoenix CFO intimately familiar with UOP’s controversial enrollment and marketing strategies. These are not educational reformers — they are dealmakers aiming to extract value from a student-debt pipeline.

[Image: Power Player Marty Nesbitt]

Higher Education Inquirer’s College Meltdown Index highlights how PXED fits into a broader financialization of higher education. Rather than reforming the University of Phoenix, its backers have resurrected it under a new brand — one that continues to enroll vulnerable adult learners, harvest federal aid, and operate with considerably less public oversight. 

Whistleblowers previously documented that Phoenix pressured recruitment staff to falsify student credentials, enrolling people who wouldn’t otherwise qualify for federal aid. Courses were allegedly kept deliberately easy — not to teach, but to keep students “active” enough to trigger aid disbursements. Internal marketing also exaggerated job prospects and corporate partnerships (e.g., with Microsoft and AT&T) to entice students. 

PXED may lean on a three‑year default rate (often cited around 12–13%), but that number is deeply misleading. Many UOP students stay stuck in deferment, forbearance, or income-driven repayment, masking the real long-term risk of non-payment. This is not just a short-term liability — it’s a potentially massive, multiyear financial exposure for PXED’s backers.

There was a significant FTC settlement that canceled $141 million in student debt and refunded $50 million to some students. But the scale of harm far exceeds that payout. Untold numbers of borrowers still have unresolved Borrower Defense claims, and the reputational risk remains profound.

Beyond financial concerns, there’s a major ethical dimension. HEI’s Divestment from Predatory Education argument makes a compelling case that investing in companies like PXED — or in loan servicers that profit from student debt — is not just risky, but morally indefensible. According to HEI, institutional investors (including university endowments, pension funds, and foundations) are complicit in a system that monetizes students’ aspirations and perpetuates financial harm. 

For investors, the message is clear: Phoenix is not merely an education play — it’s a high-stakes, ethically fraught extraction machine built on a legacy of indebtedness and regulatory vulnerability.

Unless PXED commits to real transparency, independent reporting on student outcomes, and accountability mechanisms — including reparations or debt relief — it should be approached not as a social-growth story, but as a dangerous gamble.

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Sources

• HEI. “Divestment from Predatory Education Stocks: A Moral Imperative.” Higher Education Inquirer

• HEI. “The College Meltdown Index: Profiting from the Wreckage of American Higher Education.” Higher Education Inquirer

• HEI. “What Do the University of Phoenix and Risepoint Have in Common? The Answer Is a Compelling Story of Greed and Politics.” Higher Education Inquirer

• HEI. “University of Phoenix Uses ‘Sandwich Moms’ to Sell a Debt Trap.” Higher Education Inquirer

• HEI. “New Data Show Nearly a Million University of Phoenix Debtors Owe $21.6 Billion.” Higher Education

Defenders of the Higher Ed Business: How Lawyers Shield a Broken Industry

In the long decline of American higher education, a certain class of professionals has quietly prospered—lawyers who specialize in defending institutions from the consequences of their own behavior. These attorneys rarely appear in public debates over student debt, predatory recruitment, or collapsing regional colleges. Yet their fingerprints are everywhere: in courtroom strategies designed to run out the clock, in motions that narrow the rights of borrowers, in settlement agreements that mask wrongdoing without forcing structural reform. They are the legal custodians of an industry that has spent decades avoiding accountability.

These lawyers often frame their role as neutral, simply providing representation to clients who need it. But the nature of the representation matters. When institutions mislead students, inflate job-placement claims, push them into unaffordable debt, or fire whistleblowers who object to unethical practices, these firms defend the institution—not the student, not the truth, and certainly not the public interest. Litigation summaries and public communications frequently present a parallel universe in which colleges are the victims, regulators are overreaching meddlers, and students who seek restitution are opportunists or pawns of political forces.

The legal work is highly lucrative. In many cases, struggling institutions spend more on their attorneys than they do on direct student support. Colleges on the brink of closure still find six-figure retainers to fight state attorney general investigations or borrower defense claims. Public institutions use taxpayer dollars to shield themselves from transparency, all while students—particularly first-generation, low-income, and working-class students—absorb the losses. Attorneys in this sector are acutely aware of the harms their clients may have caused, yet their work consistently prioritizes institutional preservation over student restitution.

The history of this defense strategy is well documented. In 2011, federal courts began seeing cases from former students challenging institutions for misleading claims, untransferable credits, and failure to provide promised training. Courts often compelled arbitration, effectively removing class action rights and leaving individual students to pursue costly and complex proceedings alone. This pattern set a precedent: institutional defense relied on procedural tools rather than addressing substantive misconduct. Between 2012 and 2013, state supreme courts upheld arbitration clauses that stripped students of collective redress, signaling to institutions that strategic legal defenses could block accountability. Students’ claims of misrepresentation, fraud, and breaches of enrollment agreements were repeatedly forced into private arbitration. The courts emphasized procedural enforcement over consideration of the underlying harms, allowing institutions to continue operating without public scrutiny.

From 2015 to 2018, the Department of Education’s Inspector General documented widespread mismanagement of federal Title IV funds, showing that hundreds of millions in federal loans were issued to students at institutions that were later found to have misrepresented outcomes or violated federal regulations. Lawsuits brought by former students during this period, including allegations under the False Claims Act, were often dismissed or compelled to arbitration. Institutions were shielded, while borrowers were left with debt and limited recourse.

In 2018 and 2019, state attorneys general filed enforcement actions against multiple institutions for fraudulent recruitment practices and misrepresentation of accreditation status. In almost every case, institutions relied on their legal teams to secure procedural victories: dismissal of class action claims, enforcement of arbitration clauses, and delays in settlements. While regulators attempted to intervene, the structural power of corporate legal defense delayed, diluted, or obscured accountability. During the COVID-19 pandemic in 2020–2021, students sued institutions for failure to provide adequate online instruction and for abrupt changes in course delivery. Defense attorneys successfully argued that enrollment agreements allowed these operational changes, resulting in widespread dismissal of student claims. Again, institutional defense won the day while students absorbed the financial and educational consequences.

From 2022 to 2025, the Borrower Defense to Repayment program and the SAVE Plan promised relief for students harmed by mismanaged institutions. Yet litigation and regulatory challenges have slowed implementation. Institutions and their attorneys have repeatedly used procedural maneuvers to contest forgiveness, compel arbitration, or delay repayments, leaving thousands of students in limbo while debt accumulates. Throughout this period, legal strategy has consistently prioritized institutional survival over student restitution. Arbitration clauses, procedural dismissals, and regulatory delay have allowed colleges and universities to maintain access to federal funds, complete mergers, or restructure under bankruptcy protection, all while leaving harmed students with debt, disrupted education, and minimal legal recourse.

These attorneys also help shape the narratives consumed by policymakers, journalists, and college trustees. Public-facing summaries often downplay institutional misconduct and amplify court decisions that limit student rights. They rarely acknowledge the emotional and financial devastation suffered by borrowers or the systemic risks created when institutions know their lawyers can absorb most of the blow. Instead, they champion a legal environment that treats higher education primarily as a business subject to claims risk, not as a public trust.

Justice, in this ecosystem, becomes a matter of resources. Students and former employees face a wall of corporate legal expertise, while institutions with long records of abuse continue to operate behind settlements and sealed agreements. Attorneys who could use their considerable skills to protect the most vulnerable instead use them to reinforce a system that extracts value from students and leaves them to fend for themselves once the promises fall apart.

The Higher Education Inquirer has long documented the College Meltdown: the closures, the debt, the failed oversight, and the human cost. But the meltdown is not only a story about administrators, investors, or federal agencies. It is also a story about the lawyers who defend the indefensible and who help maintain a higher education marketplace where accountability is optional and harm is routine. They may sleep well, but only because the consequences of their work are borne by others.

The question is not how they sleep at night. The question is how many more students will lose before the legal strategies that protect institutions are no longer enough to protect the industry itself.

Sources:

U.S. Department of Education, Borrower Defense to Repayment decision data, 2022–2025

Government Accountability Office (GAO), “For-Profit Colleges: Student Outcomes and Federal Oversight,” 2021

Department of Education Office of Federal Student Aid, Borrower Defense decisions, 2020–2025

State Attorneys General filings and enforcement actions against higher education institutions, 2018–2023

U.S. Department of Education Office of Inspector General, audits and reports on Title IV program compliance, 2015–2022

GAO report on arbitration clauses in for-profit colleges, 2018

Neoliberalism and the Global College Meltdown

Over the past four decades, neoliberalism has reshaped higher education into a market-driven enterprise, producing what can only be described as a global College Meltdown. Once envisioned as a public good—a tool for civic empowerment, social mobility, and national progress—higher education in the United States, the United Kingdom, and China has been transformed into a competitive market system defined by privatization, debt, and disillusionment.

The United States: From Public Good to Profit Engine

Nowhere has neoliberal ideology had a more devastating effect on higher education than in the United States. Beginning in the 1980s, with the Reagan administration’s cuts to federal grants and the expansion of student loans, higher education funding shifted from public investment to individual burden. Universities adopted corporate governance models, hired armies of administrators, and marketed education as a private commodity promising personal enrichment rather than collective advancement.

The results are visible everywhere: tuition inflation, student debt exceeding $1.7 trillion, and the proliferation of predatory for-profit colleges. Elite universities transformed into financial behemoths, hoarding endowments while relying on contingent faculty. Meanwhile, working-class and minority students were lured into debt traps by institutions that promised upward mobility but delivered unemployment and despair.

The U.S. College Meltdown—a term that describes the system’s moral and financial collapse—is a direct consequence of neoliberal policies: deregulation, privatization, and austerity disguised as efficiency. The profit motive replaced the public mission, and the casualties include students, adjuncts, and the ideal of education as a democratic right.

The United Kingdom: Marketization and Managerialism

The United Kingdom followed a similar trajectory under Margaret Thatcher and her successors. The introduction of tuition fees in 1998 and their tripling in 2012 marked the formal triumph of neoliberal logic over public investment. British universities became quasi-corporate entities, obsessed with league tables, branding, and global rankings.

The result has been mounting student debt, declining staff morale, and a hollowing out of intellectual life. Faculty strikes over pensions and pay disparities underscore a deeper crisis of purpose. Universities now function as rent-seeking landlords—building luxury dorms for international students while cutting humanities departments. The logic of “student-as-customer” has reduced education to a transaction, and accountability has been redefined to mean profit margin rather than social contribution.

The UK’s College Meltdown mirrors that of the U.S.—a story of financialization, precarious labor, and the erosion of public trust.

China: Neoliberalism with Authoritarian Characteristics

At first glance, China seems to defy the Western College Meltdown. Its universities have expanded rapidly, producing millions of graduates and investing heavily in research. But beneath this apparent success lies a deeply neoliberal structure embedded in an authoritarian framework.

Since the 1990s, China’s higher education system has embraced competition, rankings, and market incentives. Universities compete for prestige and funding; families invest heavily in private tutoring and overseas degrees; and graduates face a saturated labor market. The result is mounting anxiety and unemployment among young people—known online as the “lying flat” generation, disillusioned with promises of meritocratic success.

The Chinese model fuses state control with neoliberal marketization. Education serves as both an instrument of national power and a mechanism of social stratification. In this sense, China’s version of the College Meltdown reflects a global truth: the commodification of education leads to alienation, regardless of political system.

A Global System in Crisis

Whether in Washington, London, or Beijing, the pattern is strikingly similar. Neoliberalism treats education as an investment in human capital, reducing learning to a financial calculation. Universities compete like corporations; students borrow like consumers; and knowledge becomes a tool of capital accumulation rather than liberation.

This convergence of economic and ideological forces has created an unsustainable higher education bubble—overpriced, overcredentialized, and underdelivering. Across continents, graduates face debt, underemployment, and despair, while universities chase rankings and revenue streams instead of justice and truth.

Toward a Post-Neoliberal Education

Reversing the College Meltdown requires more than reform; it demands a new philosophy. Public universities must reclaim their civic mission. Education must once again be understood as a human right, not a private investment. Debt forgiveness, reinvestment in teaching, and democratic governance are essential first steps.

Neoliberalism’s greatest illusion was that markets could produce wisdom. The College Meltdown proves the opposite: when education serves profit instead of people, it consumes itself from within.

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Sources:

• Wendy Brown, Undoing the Demos (2015)

• David Harvey, A Brief History of Neoliberalism (2005)

• Tressie McMillan Cottom, Lower Ed (2017)

• The Higher Education Inquirer archives on the U.S. College Meltdown

• BBC, “University staff strikes and student debt crisis,” 2024

• Caixin, “China’s youth unemployment and education anxiety,” 2023

The College Meltdown Index: Profiting from the Wreckage of American Higher Education

“Education, once defended as a public good, now functions as a vehicle for private gain.”

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From Collapse to Contagion

The College Meltdown never truly ended—it evolved.

After a decade of spectacular for-profit implosions, the higher education sector has reconstituted itself around new instruments of profit: debt servicing, edtech speculation, and corporate “partnerships” that disguise privatization as innovation.

The College Meltdown Index—tracking a mix of education providers, servicers, and learning platforms—reveals a sector in quiet decay.

Legacy for-profits like National American University (NAUH) and Aspen Group (ASPU) trade at penny-stock levels, while Lincoln Educational (LINC) and Perdoceo (PRDO) stumble through cost-cutting cycles.

Even the supposed disruptors—Chegg (CHGG), Udemy (UDMY), and Coursera (COUR)—are faltering as user growth plateaus and AI reshapes their value proposition.

Meanwhile, SoFi (SOFI), Sallie Mae (SLM), and Maximus (MMS) thrive—not through learning, but through the management of debt.

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The Meltdown Graveyard

Below lies a sampling of the education sector’s ghost tickers—the silent casualties of a system that turned public trust into private loss.

Symbol	Institution	Status	Approx. Closure/Delisting
CLAS.U	Class Technologies	Defunct	2024
INST	Instructure (pre-acquisition)	Acquired by Thoma Bravo	2020
TWOUQ	2U, Inc.	Bankrupt	2025
CPLA	Capella University	Merged with Strayer (Strategic Ed.)	2018
ESI-OLD	ITT Technical Institute	Defunct	2016
EDMC	Education Management Corporation	Defunct	2018
COCO-OLD	Corinthian Colleges	Defunct	2015
APOL	Apollo Education Group (U. of Phoenix)	Taken Private	2017

Each ticker represents not only a failed business model—but a generation of indebted students.

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The Phoenix That Shouldn’t Have Risen

No institution better symbolizes this moral decay than the University of Phoenix and Phoenix Education Partners (PXED).

At its height, Phoenix enrolled nearly half a million students. By 2017, following federal investigations and mass defaults, Apollo Education Group—its parent company—collapsed under scrutiny.

But rather than disappearing, Phoenix was quietly resurrected through a private equity buyout led by Apollo Global Management, Vistria Group, and Najafi Companies.

Freed from public oversight, the university continued to enroll vulnerable adult learners, harvesting federal aid while shedding accountability.

In 2023, the University of Idaho’s proposed acquisition of Phoenix provoked national outrage, forcing state officials to confront a basic question: Should a public university absorb a for-profit brand built on exploitation?

The deal collapsed—but the temptation to monetize Phoenix’s infrastructure remains. In 2025, a small portion became publicly traded.  Its call centers and online systems remain models of enrollment efficiency, designed to extract just enough engagement to secure tuition payments.

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From Education to Extraction

The sector’s transformation reveals a deeper moral hazard.

If students succeed, investors profit.
If students fail, federal subsidies and servicer contracts ensure the money keeps flowing.

Executives face no downside. Shareholders are protected. The losses fall on students and taxpayers.

In this sense, the “meltdown” is not a market failure—it’s a market design.

“The winners are those who most efficiently extract value from hope.”

Public universities increasingly partner with private Online Program Managers (OPMs), leasing their brands to companies that control marketing, pricing, and student data. The once-clear line between public and for-profit education has blurred beyond recognition.

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The Quiet Winners of Collapse

A few companies continue to prosper by aligning with “practical” or “mission-safe” sectors:

• Adtalem (ATGE) in nursing and health education,

• Grand Canyon Education (LOPE) in faith-branded online degrees,

• Bright Horizons (BFAM) in corporate childcare and workforce training.

Yet all remain heavily dependent on public dollars and tax incentives. The state subsidizes their existence; the market collects the rewards.

Meanwhile, 2U’s bankruptcy leaves elite universities scrambling to explain how a publicly traded OPM, once championed as the future of online learning, could disintegrate overnight—taking with it a network of high-priced “nonprofit” certificate programs.

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A Reckoning Deferred

The College Meltdown Index exposes a system that has internalized its own failures.
Fraud has been replaced by financial engineering, transparency by outsourcing, and accountability by spin.

The real collapse is not in the market—but in moral logic. Education, once the cornerstone of social mobility, has become a speculative instrument traded between hedge funds and holding companies.

Until policymakers—and universities themselves—confront the ethics of profit in higher education, the meltdown will persist, slowly consuming what remains of the public good.

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“The real question is not whether the system will collapse, but who will rebuild it—and for whom.”

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Sources:

• Higher Education Inquirer, College Meltdown 2.0 Index (Nov. 2025)

• SEC Filings (2010–2025)

• U.S. Department of Education, Heightened Cash Monitoring Reports

• An American Sickness – Elisabeth Rosenthal

• The Goosestep – Upton Sinclair

• Medical Apartheid – Harriet A. Washington

• Body and Soul – Alondra Nelson

• The Immortal Life of Henrietta Lacks – Rebecca Skloot

Hyper Credentialism and the Neoliberal College Meltdown (Glen McGhee and Dahn Shaulis)

In the neoliberal era, higher education has become less a public good and more a marketplace of promises. The ideology of “lifelong learning” has been weaponized into an endless treadmill of hyper-credentialism — a cycle in which students, workers, and institutions are trapped in perpetual pursuit of new degrees, certificates, and micro-badges.

From Education to Signaling

Once, a college degree was seen as a path to citizenship and critical thought. Today, it’s a market signal — and an increasingly weak one. The bachelor’s degree no longer guarantees stable employment, so the system produces ever-more credentials: master’s programs, micro-certificates, “badges,” and other digital tokens of employability.

This shift doesn’t solve economic precarity — it monetizes it. Workers internalize the blame for their own stagnating wages, believing that the next credential will finally make them “market ready.” Employers, meanwhile, use credential inflation to justify low pay and increased screening, outsourcing the costs of training onto individuals.

A Perfect Fit for Neoliberalism

Hyper-credentialism is not a side effect; it’s a feature of the neoliberal education economy. It supports four pillars of the model:

Privatization and Profit Extraction – Public funding declines while students pay more. Each new credential creates a new revenue stream for universities, online program managers (OPMs), and ed-tech corporations.

Individual Responsibility – The structural causes of unemployment or underemployment are reframed as personal failures. “You just need to upskill.”

Debt Dependency – Students and workers finance their “reskilling” through federal loans and employer-linked programs, feeding the student-debt industry and its servicers.

Market Saturation and Collapse – As more credentials flood the market, each becomes less valuable. Institutions respond by creating even more credentials, accelerating the meltdown.

The Education-Finance Complex

The rise of hyper-credentialism is inseparable from the growth of the education-finance complex — a web of universities, private lenders, servicers, and Wall Street investors.
Firms like 2U, Coursera, and Guild Education sell the illusion of “access” while extracting rents from students and institutions alike. University administrators, pressured by enrollment declines, partner with these firms to chase new markets — often by spinning up online master’s programs with poor outcomes.

The result is a debt-driven ecosystem that thrives even as public confidence collapses. The fewer good jobs there are, the more desperate people become to buy new credentials. The meltdown feeds itself.

Winners and Losers

Winners: Ed-tech executives, university administrators, debt servicers, and the politicians who promote “lifelong learning” as a substitute for wage growth or labor rights.

Losers: Students, adjunct faculty, working-class families, and the public universities hollowed out by austerity and privatization.

The rhetoric of “upskilling” and “personal growth” masks a grim reality: a transfer of wealth from individuals to financialized institutions under the guise of opportunity.

A System That Can’t Redeem Itself

As enrollment declines and public trust erodes, the industry doubles down on micro-credentials and “stackable” pathways — small fixes to a structural crisis. Each badge, each certificate, is sold as a ticket back into the middle class. Yet every new credential devalues the old, producing diminishing returns for everyone except those selling the product.

Hyper-credentialism thus becomes both the symptom and the accelerant of the college meltdown. It sustains the illusion of mobility in a collapsing system, ensuring that the blame never reaches the architects of austerity, privatization, and financialization.

Sources and Further Reading

Brown, Wendy. Undoing the Demos: Neoliberalism’s Stealth Revolution.

Giroux, Henry. Neoliberalism’s War on Higher Education.

Cottom, Tressie McMillan. Lower Ed: The Troubling Rise of For-Profit Colleges in the New Economy.

The Higher Education Inquirer archives on the college meltdown, OPMs, and the debt economy.

When Parenthood Feels Like a Trap: Regret, Trumpism, and the Educated Underclass

The recent MSN article “I Regret Having Children — It Has Stripped My Life of Meaning” is not just a private confession. It is a mirror reflecting a collapsing social order — one where parenting, education, and labor are all defined by debt, exhaustion, and disillusionment.

In today’s America, the family, the school, and the workplace no longer promise progress; they reproduce precarity. The personal regret of parents becomes a collective symptom of a society that demands self-sacrifice but offers little reciprocity.

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The Privatization of Care and the Myth of the “Good Parent”

Since the Reagan era, neoliberal ideology has reduced social problems to personal failures. Families are told to work harder, plan better, and be grateful — while the state retreats from childcare, healthcare, and education.

Parenting, once understood as a shared civic project, is now a private ordeal. The “good parent” myth demands endless self-denial while ignoring the structural forces that make family life unsustainable: stagnant wages, unaffordable housing, unaffordable education, and the erosion of community networks.

The parent who whispers, “I regret having children,” isn’t rejecting love — they are acknowledging betrayal. They were promised fulfillment through family, but abandoned by a system that commodifies care and isolates suffering.

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The Dobbs Decision and the Politics of Coerced Parenthood

The 2022 Dobbs v. Jackson Women’s Health Organization ruling — which overturned Roe v. Wade — deepened this betrayal. By stripping away the constitutional right to abortion, the Supreme Court forced millions into unwanted pregnancies under conditions of economic and emotional strain.

This was no accident of jurisprudence. It was the political offspring of neoliberal neglect and Trump-era authoritarianism — a regime that exalts “family values” while defunding the social infrastructure that makes family life possible.

Dobbs represents coerced parenthood in a nation without paid leave, affordable childcare, or universal healthcare. It is the culmination of a system that insists on reproduction but refuses responsibility — transforming bodily autonomy into a political battleground while leaving families to fend for themselves.

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Trumpism, Despair, and Manufactured Nostalgia

Trumpism feeds on the despair that neoliberalism creates. It promises to restore “traditional America” — stable jobs, strong families, obedient children — but it offers only resentment as consolation.

When exhausted parents or debt-ridden graduates look for meaning, Trumpian populism channels their frustration toward scapegoats: immigrants, educators, feminists, the poor. It converts structural despair into cultural war.

Trump’s America is a paradox: it glorifies the family while destroying the material base that sustains it. It preaches “Make America Great Again” while keeping its base desperate, indebted, and emotionally dependent on rage.

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The Rise of the Educated Underclass

Nowhere is this contradiction clearer than in the making of the educated underclass — the millions of Americans who did everything “right” but found the social contract shredded beneath them.

They earned degrees, followed career advice, and invested in the myth of meritocracy. Yet decades of wage stagnation, precarious employment, and student debt have left them economically fragile and politically disoriented.

Many are parents who believed education would secure their children’s futures. Instead, they see their own children inheriting instability — locked out of homeownership, burdened with loans, and facing a world where credentials no longer guarantee dignity.

This educated underclass, spanning teachers, social workers, adjunct professors, nurses, and mid-level professionals, represents the human fallout of the neoliberal university and the marketized economy it feeds. Their disillusionment — like parental regret — is both personal and systemic.

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Higher Education as a Debt Factory

Colleges once promised upward mobility; now they manufacture anxiety and debt. The family that sacrifices for tuition does so on faith that a degree still matters. But as corporate consolidation and automation erode stable work, that faith collapses.

Parents, particularly those from the working and lower-middle class, internalize this collapse as failure — not recognizing that the problem lies in a system that sells hope on credit. Their children, emerging into a gig economy with record debt, form the next generation of the educated underclass: credentialed, precarious, and politically volatile.

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Regret as a Rational Response

In this context, parental regret is not deviance — it is rational. It reflects the exhaustion of trying to raise children, pay loans, and sustain meaning in a society where everything, including love, has been commodified.

It reflects the psychic cost of neoliberalism’s lie: that education, work, and family can still deliver self-realization without collective solidarity or public investment.

And it warns of what happens when a nation loses faith not only in its institutions but in the very act of reproduction itself.

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Toward a Politics of Care and Repair

To break this cycle, we must confront the intertwined crises of reproduction, education, and inequality. A humane alternative would demand:

• Universal reproductive freedom — protecting the right not to bear children, and the resources to raise them with dignity.

• Tuition-free higher education and student debt relief — dismantling the educated underclass.

• Guaranteed childcare, healthcare, and paid leave — treating parenting as collective labor, not private suffering.

• Living wages and housing justice — reestablishing the economic base of real family life.

• Democratized higher education — ending the capture of universities by finance and corporate boards.

Only by restoring care as a public good — not a private burden — can we move beyond regret toward renewal.

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From Regret to Resistance

The parent who says, “I regret having children,” and the graduate who says, “My degree ruined my life,” are not failures. They are witnesses. Their grief exposes the moral bankruptcy of a system that exploits care, education, and aspiration for profit.

Trumpism thrives on that despair, offering nostalgia instead of justice. Neoliberalism rationalizes it, calling it “personal responsibility.”

But the truth is collective: meaning cannot survive where solidarity has been destroyed. The antidote to regret is not silence — it is organizing. It is rebuilding a society where care, education, and dignity are shared, not sold.

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Sources

• MSN News, “I Regret Having Children — It Has Stripped My Life of Meaning,” 2025.

• Dobbs v. Jackson Women’s Health Organization, 597 U.S. ___ (2022).

• Donath, Orna. Regretting Motherhood: A Sociopolitical Analysis. North Atlantic Books, 2017.

• Fraser, Nancy. Cannibal Capitalism. Verso, 2022.

• Brown, Wendy. Undoing the Demos. Zone Books, 2015.

• Giroux, Henry. Neoliberalism’s War on Higher Education. Haymarket, 2014.

• Hochschild, Arlie. Strangers in Their Own Land. The New Press, 2016.

• Shaulis, Dahn. The College Meltdown (Higher Education Inquirer archives).

The College Meltdown: A Retrospective

[In 2017, we collaborated with Crush the Street on a video describing the College Meltdown.]  

“Education is not merely a credentialing system; it is a humanizing act that fosters connection, purpose, and community.”

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Origins

The College Meltdown began in the mid-2010s as a blog chronicling the slow collapse of U.S. higher education. Rising tuition, mounting student debt, and corporatization were visible signs, but the deeper crisis was structural: the erosion of public accountability and mission.

By 2015, the warning signs were unmistakable to us. On some campuses, student spaces were closed to host corporate “best practices” conferences. At many schools, adjunct instructors carried the bulk of teaching responsibilities, often without benefits, while administrators celebrated innovation. Higher education was quietly being reshaped to benefit corporations over students and communities — a true meltdown.

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Patterns of the Meltdown

Enrollment in U.S. colleges began declining as early as 2011, reflecting broader demographic shifts: fewer children entering the system and a growing population of older adults. Small colleges, community colleges, and regional public universities were hardest hit, while flagship institutions consolidated wealth and prestige.

Corporate intermediaries known as Online Program Managers (OPMs) managed recruitment, marketing, and course design, taking large portions of tuition while universities retained risk. Fully automated robocolleges emerged, relying on AI-driven templates, predictive analytics, and outsourced grading. While efficient, these systems dehumanized education: students became data points, faculty became monitors, and mentorship disappeared.

“Robocolleges and AI-driven systems reduce humans to data points — an education stripped of connection is no education at all.”

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Feeding the AI Beast

As part of our effort to reclaim knowledge and influence public discourse, we actively contributed to Wikipedia. Over the years, we made more than 12,000 edits on higher education topics, ensuring accurate documentation of predatory practices, adjunct labor, OPMs, and corporatization. These edits both informed the public and, inadvertently, fed the AI beast — large language models and AI systems that scrape Wikipedia for training data now reflect our work, amplifying it in ways we could never have predicted.

“By documenting higher education rigorously, we shaped both public knowledge and the datasets powering AI systems — turning transparency into a tool of influence.”

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Anxiety, Anomie, and Alienation

The College Meltdown documented the mental health toll of these transformations. Rising anxiety, feelings of anomie, and widespread alienation were linked to AI reliance, dehumanized classrooms, insecure faculty labor, and societal pressures. Students felt like credential seekers; faculty suffered burnout.

“Addressing the psychological and social effects of dehumanized education is essential for ethical recovery.”

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Trump, Anti-Intellectualism, and Fear in the Era of Neoliberalism

The project also addressed the broader political and social climate. The Trump era brought rising anti-intellectualism, skepticism toward expertise, and a celebration of market logic over civic and moral education. For many, it was an era of fear: fear of surveillance, fear of litigation, fear of being marginalized in a rapidly corporatized, AI-driven educational system. Neoliberal policies exacerbated these pressures, emphasizing privatization, metrics, and competition over community and care.

“Living under Trump-era neoliberalism, with AI monitoring, corporate oversight, and mass surveillance, education became a space of anxiety as much as learning.”

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Quality of Life and the Call for Rehumanization

Education should serve human well-being, not just revenue. The blog emphasized Quality of Life and advocated for Rehumanization — restoring mentorship, personal connection, and ethical engagement.

“Rehumanization is not a luxury; it is the foundation of meaningful learning.”

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FOIA Requests and Whistleblowers

From the start, The College Meltdown relied on evidence-based reporting. FOIA (Freedom of Information Act) requests were used to obtain internal communications, budgets, and regulatory filings, shining light on opaque practices. Whistleblowers, including adjunct faculty and staff at universities and OPMs, provided firsthand testimony of misconduct, financial malfeasance, and educational dehumanization. Their courage was central to the project’s mission of transparency and accountability.

“Insider testimony and public records revealed the hidden forces reshaping higher education, from corporate influence to predatory practices.”

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Historical Sociology: Understanding the Systemic Collapse

The importance of historical sociology cannot be overstated in analyzing the decline of higher education. By examining the evolution of educational systems, we can identify patterns of inequality, the concentration of power, and the commodification of knowledge. Historical sociology provides the tools to understand how past decisions and structures have led to the current crisis.

“Historical sociology reveals, defines, and formulates patterns of social development, helping us understand the systemic forces at play in education.”

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Naming Bad Actors: Accountability and Reform

A critical aspect of The College Meltdown was the emphasis on naming bad actors — identifying and holding accountable those responsible for the exploitation and degradation of higher education. This included:

• University Administrators: Prioritizing profit over pedagogy.

• Corporate Entities: Robocolleges and OPMs profiting at the expense of educational quality.

• Political Figures and Ultraconservatives: Promoting policies that undermined public education and anti-intellectualism.

“Holding bad actors accountable is essential for meaningful reform and the restoration of education's ethical purpose.”

[In 2016, we called out several bad actors in for-profit higher education, including CEOs Jack Massimino, Kevin Modany, and Todd Nelson.] 

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Existential Aspects of Climate Change

The blog also examined the existential dimensions of climate change. Students and faculty face a dual challenge: preparing for uncertain futures while witnessing environmental degradation accelerate. Higher education itself is implicated, both as a contributor through consumption and as a forum for solutions. The looming climate crisis intensifies anxiety, alienation, and the urgency for ethical, human-centered education.

“Climate change makes the stakes of education existential: our survival, our knowledge, and our moral responsibility are intertwined.”

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Mass Speculation and Financialization

Another critical theme explored was mass speculation and financialization. The expansion of student debt markets, tuition-backed bonds, and corporate investments in higher education transformed students into financial instruments. These speculative dynamics mirrored broader economic instability, creating both a moral and systemic crisis for the educational sector.

“When education becomes a commodity for speculation, learning, mentorship, and ethical development are subordinated to profit and risk metrics.”

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Coverage of Protests and Nonviolent Resistance

The College Meltdown documented student and faculty resistance: tuition protests, adjunct labor actions, and campaigns against predatory OPM arrangements. Nonviolent action was central: teach-ins, sit-ins, and organized campaigns demonstrated moral authority and communal solidarity in the face of systemic pressures, litigation, and corporate intimidation.

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Collaboration and Resistance

Glen McGhee provided exceptional guidance, connecting insights on systemic collapse, inequality, and credential inflation. Guest authors contributed across disciplines and movements, making the blog a living archive of accountability and solidarity:

Guest Contributors:
Bryan Alexander, Ann Bowers, James Michael Brodie, Randall Collins, Garrett Fitzgerald, Erica Gallagher, Henry Giroux, David Halperin, Bill Harrington, Phil Hill, Robert Jensen, Hank Kalet, Neil Kraus, the LACCD Whistleblower, Wendy Lynne Lee, Annelise Orleck, Robert Kelchen, Debbi Potts, Jack Metzger, Derek Newton, Gary Roth, Mark Salisbury, Gary Stocker, Harry Targ, Heidi Weber, Richard Wolff, and Helena Worthen.

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Lessons from the Meltdown

The crisis was systemic. Technology amplified inequality. Corporate higher education rebranded rather than reformed. Adjunctification and labor precarity became normalized. Communities of color and working-class students suffered disproportionately.

Dehumanization emerged as a central theme. AI, automation, and robocolleges prioritized efficiency over mentorship, data over dialogue, and systems over human relationships. Rising anxiety, anomie, and alienation reflected the human toll.

“Rehumanization, mentorship, community, transparency, ethical accountability, and ecological awareness are essential to restore meaningful higher education.”

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Looking Forward

As higher education entered the Trump era, its future remained uncertain. Students, faculty, and communities faced fear under neoliberal policies, AI-driven monitoring, mass surveillance, litigation pressures, ultraconservative influence, climate crises, and financial speculation. Will universities reclaim their role as public goods, or continue as commodified services? The College Meltdown stands as a testament to those who resisted dehumanization and anti-intellectualism. It also calls for Quality of Life, ethical practice, mental well-being, environmental responsibility, and Rehumanization, ensuring education serves the whole person, not just the bottom line. 

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Sources and References

• Washington, Harriet A. Medical Apartheid. Doubleday, 2006.

• Rosenthal, Elisabeth. An American Sickness. Penguin, 2017.

• Skloot, Rebecca. The Immortal Life of Henrietta Lacks. Crown, 2010.

• Nelson, Alondra. Body and Soul. University of Minnesota Press, 2011.

• Paucek, Chip. “2U and the Growth of OPMs.” EdSurge, 2021. link

• Ravitch, Diane. The Death and Life of the Great American School System. Basic Books, 2010.

• Alexander, Bryan. Academia Next. Johns Hopkins University Press, 2020.

• U.S. Department of Education. “Closed School Information.” 2016–2020. link

• Federal Reserve Bank of New York. Student Debt Statistics, 2024. link

• Wayback Machine Archive of College Meltdown Blog: link