Higher Education and the Culture of Silence

American higher education presents itself as a beacon of truth, courage, and critical inquiry. Yet behind the marketing gloss lies a pervasive culture of silence—one that extends far beyond colleges and universities themselves. The same forces that suppress dissent on campus operate through a larger ecosystem of nonprofits, contractors, ed-tech companies, and “public-private partnerships” that orbit higher ed. Together, they form a network of institutional interests that reward secrecy, punish whistleblowers, and prioritize reputation and revenue over honesty and accountability.

At the center of this system are nondisclosure agreements. NDAs are now standard tools not only in universities, but in the foundations that support them, the think tanks that shape education policy, and the ed-tech corporations that extract profit from student data and public subsidies. Whether a case involves workplace retaliation, fraudulent recruitment, financial misconduct, algorithmic harm, or student exploitation, NDAs are used to hide patterns of abuse and protect organizations from scrutiny. What gets buried is not just information—it is the possibility of reform.

The threat of litigation is part of the same architecture. Universities, nonprofits, and ed-tech companies routinely rely on aggressive legal strategies to silence critics. Workers attempting to expose unethical contracts, deceptive marketing, or discrimination face cease-and-desist letters. Researchers who publish unflattering findings are pressured to retract or soften their conclusions. Students raising alarms about data privacy or predatory practices encounter legal intimidation disguised as “professional communication.” These organizations—flush with donor money, investor capital, or public funds—use lawsuits and threats of lawsuits as shields and weapons.

Leadership across this broader ecosystem is often weak, conflicted, or corrupt. University presidents beholden to trustees are mirrored by nonprofit executives beholden to major donors, and by ed-tech CEOs beholden to venture capital. Many leaders prioritize political favor, philanthropic relationships, and corporate growth over the public interest. They outsource accountability to law firms, PR agencies, and consulting outfits whose job is not to fix problems but to bury them.

And circulating through this system is the same cast of characters: politicians chasing influence, lawyers crafting airtight silence, consultants selling risk-mitigation strategies, bean counters manipulating data, and conmen repackaging failed ideas as “innovation.” The lines between nonprofit, corporate, and educational interests have blurred to the point of erasure. Trustees who shape campus policy sit on nonprofit boards. Ed-tech companies hire former university officials and then market themselves back to campuses. Donors direct funds through philanthropic intermediaries that simultaneously pressure institutions for access and silence.

The victims of this system—faculty, staff, gig workers in tech and nonprofit roles, graduate students, undergraduates, and even the communities surrounding campuses—are pressured to comply. They face retaliation in the form of job loss, non-renewal, demotion, academic penalties, professional blacklisting, or immigration vulnerabilities. Whistleblowers are isolated. Critics are surveilled. And when the fallout becomes too public to contain, institutions rely on payouts—quiet settlements, buyouts, and confidential agreements that allow perpetrators to move seamlessly to their next institution or company.

This culture of silence is not a collection of isolated incidents. It is a structural feature of modern higher education and the industries built around it.

But it is not unbreakable.

If you have experienced or witnessed this culture—whether in a university, a higher-ed nonprofit, or the ed-tech world—the Higher Education Inquirer invites you to share your story. You may do so publicly or anonymously. We understand the risks. We know many people cannot speak openly without jeopardizing their jobs, degrees, or health. Anonymous accounts are welcome, valued, and protected.

Your story, no matter how brief, can help illuminate the patterns that institutions spend billions to obscure. Silence is what sustains the system. Truth—shared safely and collectively—is what can dismantle it.

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Sources

• Elisabeth Rosenthal, An American Sickness

• Alondra Nelson, Body and Soul

• Harriet A. Washington, Medical Apartheid

• Rebecca Skloot, The Immortal Life of Henrietta Lacks

• Reporting from the Higher Education Inquirer on university corruption, NDAs, donor influence, and ed-tech abuses

• Investigations into nonprofit and ed-tech misconduct published in public records, court filings, and independent journalism

He Helped Run Some of the Worst For-Profit Colleges. The Trump Team Just Picked Him to Oversee College Quality. (David Halperin)

On the eve of the Thanksgiving holiday, when most people are focused on travel plans and food preparation, the Trump administration released a list of its four nominees for open slots on the National Advisory Committee on Institutional Quality and Integrity (NACIQI). That is the panel of outside experts that advises the U.S. Department of Education on whether to approve or reject the accrediting bodies that serve as gatekeepers for federal student financial aid. Amid five candidates picked by Secretary of Education Linda McMahon — representatives from conservative think tanks and universities, and a student member — one name stands out: Robert Eitel, a senior education department official in the first Trump administration, and before that — which the Department’s press release does not mention at all — a senior executive at two of the most deceptive and abusive companies in the history of U.S. for-profit higher education.

Eitel, who had served as the Department of Education’s deputy general counsel during the George W. Bush administration, joined Career Education Corporation (CEC) in 2013 as a vice president of regulatory operations. In 2015, Eitel left CEC to join Bridgepoint Education as vice president of regulatory legal services. He remained in that role through April 2017, the last three months on leave of absence while serving as an advisor to Trump Secretary of Education Betsy DeVos. Eitel then resigned from Bridgepoint and was senior counsel to DeVos through Trump’s first term.

The first of Eitel’s corporate employers, Career Education Corp., which changed its name in 2020 to Perdoceo, has faced multiple law enforcement investigations for predatory conduct.

In 2013, soon after Eitel joined CEC, the company agreed to a $10.25 million settlement with the New York state attorney general over charges that it had exaggerated job placement rates for graduates of its schools.

In 2019, after Eitel’s departure, the company entered into a $494 million settlement with 48 state attorneys general, plus the District of Columbia, over an investigation, launched in 2014, that for years it had engaged in widespread deceptive practices against students.

Later that same year, Perdoceo agreed to pay $30 million to settle charges brought by the Federal Trade Commission that its schools, at least since 2012, had recruited students through deceptive third-party lead generation operations.

In each case, the company did not admit guilt.

Misconduct at CEC/Perdoceo continued well past Eitel’s departure, suggesting the rot at the company’s core. In this decade, Perdoceo employees told media outlets USA Today and Capitol Forum, as well as Republic Report, that company recruiters have continued to feel pressure to make misleading sales pitches and to enroll low-income people into programs that aren’t strong enough to help them succeed. Some of those former employees also spoke with federal investigators. USA Today reported in 2022 that the U.S. Department of Education, in December 2021, requested information from Perdoceo; the Department also asked Perdoceo to retain records regarding student recruiting, marketing, financial aid practices, and more. Perdoceo confirmed the probe, while seeming to minimize its significance, in a February 2022 SEC filing. Perdoceo also acknowledged in May 2022 that it received a request for documents and information from the U.S. Justice Department.

The Department of Education has provided CEC/Perdoceo schools — with current brand names including American Intercontinental University and Colorado Technical University and demised brands including Brooks Institute and Sanford-Brown College — with billions of dollars over the years. American Intercontinental University and Colorado Technical University have at times received as much as 97 percent of their revenue from taxpayer dollars in the form of federal student grants and loans.

But data released by the Department in 2023 showed that the Perdoceo schools deliver poor results for students, with low graduation rates and graduate incomes and high levels of student debt.

Meanwhile, the company Eitel left CEC to join, Bridgepoint Education, compiled its own record of predatory abuses. At a 2011 investigative hearing, then-Senate HELP committee chair Tom Harkin (D-IA) called Bridgepoint’s main school, Ashford University, “an absolute scam”; the hearing highlighted the company’s deceptive advertising, predatory recruiting, high prices, and weak educational offerings. Bridgepoint used false promises to purchase in 2005 a small college in Iowa and used that school’s accreditation to build a giant, mostly online school whose attendance peaked in 2012 at around 77,000 students and received billions from taxpayers.

Bridgepoint/Ashford deceived, crushed the dreams of, and buried in debt veterans, single moms, and others across the country, and put the company in jeopardy with law enforcement multiple times. In 2022, justice finally caught up with the company, which by that time had changed its name to Zovio. Following a trial where the California attorney general’s office presented extensive evidence of deceptive practices by the school, a state judge ruled that the company “violated the law by giving students false or misleading information about career outcomes, cost and financial aid, pace of degree programs, and transfer credits, in order to entice them to enroll at Ashford.” An appeals court subsequently upheld the verdict.

Zovio tried to launder its bad reputation by selling Ashford in 2020 to the public University of Arizona, while maintaining a lucrative service contract to run the school. After the California verdict, Zovio was pushed out of the deal, and the troubled school operation was folded into U. of Arizona, creating more controversy and turmoil at that school; the deceptive practices have continued.

After his revolving door journey through the Department of Education, two predatory college companies, and back to a Trump education department that repeatedly used its regulatory and enforcement powers to make it easier for predatory schools to prosper, Robert Eitel co-founded and became president of the Defense of Freedom Institute, a well-funded think tank dedicated at its outset to fighting the Biden administration’s education agenda through lawsuits and “vigorous oversight” of the regulatory process and advocating for public money for religious schools. It also has aggressively opposed the rights of transgender students.

In July, the Trump administration, in another effort to bulldoze laws and norms to get the personnel it wants, declared after the fact that the appointment earlier this year of Zakiya Smith Ellis, a Democratic appointee, as chair of NACIQI was “erroneous.” Accordingly, as far as the Trump administration is concerned, NACIQI currently has no chair. Don’t be surprised if, at the next NACIQI meeting, set for December 16, Trump officials maneuver to make Bob Eitel, a former top executive of some of the worst colleges in America, the head of the committee that is supposed to guard against college failures and abuses. Responsible NACIQI members should pick someone else as chair.

David Halperin
Attorney and Counselor
Washington, DC

[Editor's note: This article originally appeared on Republic Report.]

Penn Graduate Students (GET-UP) Authorize Strike as Contract Talks Falter

Graduate student workers at Penn have overwhelmingly authorized a strike — a decisive move in their fight for fair pay, stronger benefits, and comprehensive protections. The vote reflects not only deep frustration with stalled negotiations but also the growing momentum of graduate-worker organizing nationwide.

A year of bargaining — and growing frustration

Since winning union recognition in May 2024, GET‑UP has spent over a year negotiating with Penn administrators on their first collective-bargaining agreement. Despite 35 bargaining sessions and tentative agreements on several non-economic issues, key demands — especially around compensation, benefits, and protections for international students — remain unmet.

Many observers see the strike authorization as long overdue. “After repeated delays and insulting offers, this was the only way to signal our seriousness,” said a member of the bargaining committee. Support for the strike among graduate workers is overwhelmingly strong, reflecting a shared determination to secure livable wages and protections commensurate with the vital labor they provide.

Strike authorization: a powerful tool

From Nov. 18–20, GET‑UP conducted a secret-ballot vote open to roughly 3,400 eligible graduate employees. About two-thirds voted, and 92% of votes cast authorized a strike, giving the union discretion to halt academic work at a moment’s notice.

Striking graduate workers, many of whom serve as teaching or research assistants, would withhold all academic labor — including teaching, grading, and research — until a contract with acceptable terms is reached. Penn has drafted “continuity plans” for instruction in the event of a strike, which union organizers have criticized as strikebreaking.

Demands: beyond a stipend increase

GET‑UP’s contract demands include:

• A living wage for graduate workers

• Expanded benefits: health, vision, dental, dependent coverage

• Childcare support and retirement contributions

• Protections for international and immigrant students

• Strong anti-discrimination, harassment, and inclusive-pronoun / gender-neutral restroom protections

While Penn has agreed to some non-economic protections, many critical provisions remain unresolved. The stakes are high: graduate workers form the backbone of research and teaching at the university, yet many struggle to survive on modest stipends.

Context: a national wave of UAW wins

Penn’s graduate workers are part of a broader wave of successful organizing by the United Auto Workers (UAW) and allied graduate unions. Recent years have seen UAW-affiliated graduate-worker locals achieve significant victories at institutions including Cornell, Columbia, Harvard, Northwestern, and across the University of California (UC) system.

At UC, a massive systemwide strike in 2022–2023 involving tens of thousands of Graduate Student Researchers (GSRs) and Academic Student Employees (ASEs) secured three-year contracts with major gains:

• Wage increases of 55–80% over prior levels, establishing a livable baseline salary.

• Expanded health and dependent coverage, childcare subsidies, paid family leave, and fee remission.

• Stronger protections against harassment, improved disability accommodations, and support for international student workers.

• Consolidation of bargaining units across ASEs and GSRs, strengthening long-term collective power.

These gains demonstrate that even large, resource-rich institutions can be compelled to recognize graduate labor as essential, and to provide fair compensation and protections. They also show that coordinated, determined action — including strike authorization — can yield significant, lasting change.

What’s next

With strike authorization in hand, GET‑UP holds a powerful bargaining tool. While a strike remains a last resort, the overwhelming support among members signals that the union is prepared to act decisively to secure a fair contract. The UC precedent, along with wins at other UAW graduate-worker locals, suggests that Penn could follow the same path, translating student-worker momentum into meaningful, tangible improvements.

The outcome could have major implications not just for Penn, but for graduate-worker organizing across the country — reinforcing that organized graduate labor is increasingly a central force in higher education.

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Sources

• Penn graduate workers union authorizes strike vote

• Ongoing contract negotiations at Penn

• AAUP-Penn denounces university “strikebreaking” memo

• Bargaining updates for graduate workers

• UC graduate workers end strike with historic three-year contract

• Liberation News: UC Academic Workers Win Historic Contracts

America’s Creepiest College Presidents

Across the United States, a quiet but unmistakable chill has settled over many college campuses. It isn’t the weather. It’s the behavior of a particular class of leaders—the college presidents whose decisions, priorities, and public personas have begun to feel, for lack of a better word, creepy. Not criminal, necessarily. Not always abusive in the legal sense. Just profoundly unsettling in ways that undermine trust, erode shared governance, and push higher education further into the shadows of authoritarianism and corporate capture.

This piece introduces criteria for what makes a college president “creepy,” highlights examples of the types of leaders who fit the mold, and invites reader feedback to build a more accountable public record.

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Criteria for a “Creepy” College President

“Creepy” here is not about personality quirks. It’s about behavior, power, and material consequences. Based on the reporting and analysis at HEI, we propose the following criteria:

1. First Amendment Hostility

Presidents who suppress speech, restrict student journalism, punish dissent, or hide behind overbroad “time, place, and manner” rules fall squarely into this category. The creepiness intensifies when universities hire outside PR firms or surveillance contractors to monitor campus critics, including students and faculty.

2. Student Rights Violations

Presidents who treat students as risks rather than people, who hide data on assaults, who enable over-policing by campus security, or who weaponize conduct codes to silence protest movements—from Palestine solidarity groups to climate activists—fit the profile.

3. Civil Rights Erosion

Administrators who undermine Title IX protections, retaliate against whistleblowers, protect abusive coaches, or ignore discrimination complaints are not just negligent—they’re institutionally creepy. Their public statements about “inclusion” often ring hollow when compared with their actions behind closed doors.

4. Worker Rights Suppression

Union busting. Outsourcing. Wage stagnation. Anti-transparency tactics. Presidents who preach community while crushing collective bargaining efforts, freezing staff pay, or firing outspoken employees through “restructuring” deserve a place on any such list.

5. Climate Denial or Delay

Presidents who sign glossy climate pledges yet continue fossil-fuel investments, partner with extractive corporations, or suppress environmental activism on campus epitomize a uniquely twenty-first-century creepiness: a willingness to sacrifice future generations to maintain donor relationships and boardroom comfort.

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Examples: The Multi-Modal Creep Typology

Rather than name only individuals—something readers can help expand—we outline several recognizable types. These composites reflect the emerging patterns seen across U.S. higher education.

The Surveillance Chancellor

Obsessed with “campus safety,” this president quietly expands the university’s security apparatus: license plate readers at entrances, contracts with predictive-policing vendors, facial recognition “pilots,” and backdoor relationships with state or federal agencies. Their speeches emphasize “community,” but their emails say “monitoring.”

The Union-Busting Visionary

This leader talks the language of innovation and social mobility while hiring anti-union law firms to intimidate graduate workers and dining staff. Their glossy strategic plans promise “belonging,” but their HR memos rewrite job classifications to avoid paying benefits.

The Donor-Driven Speech Regulator

Terrified of upsetting trustees, corporate sponsors, or wealthy alumni, this president cracks down on student protests, bans certain speakers, or manipulates disciplinary procedures to neutralize campus activism. They invoke “civility” while undermining the First Amendment.

The DEI-Washing Chief Executive

This president loves diversity statements—for marketing. Meanwhile, they ignore racial harassment complaints, target outspoken faculty of color, or cut ethnic studies under the guise of “realignment.” Their commitment to equity is perfectly proportional to the next accreditation review.

The Climate Hypocrite

At Earth Day, they pose with solar panels. In the boardroom, they argue that divesting from fossil fuels is “unrealistic.” Student climate groups often face administrative smothering, and sustainability staffers are rotated out when they ask uncomfortable questions.

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Why “Creepiness” Matters

Creepy leaders normalize:

• an erosion of democratic rights on campus,

• the quiet expansion of surveillance,

• the targeting of vulnerable students and workers, and

• a form of managerial governance that undermines the public purpose of higher education.

Higher education is supposed to be a refuge for inquiry, dissent, creativity, and collective imagination. Presidents who govern through fear—whether subtle or overt—pose a deeper threat than those who merely mismanage budgets. They hollow out the civic core of academic life.

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A Call for Reader Feedback

HEI is building a more comprehensive and accountable registry of America’s Creepiest College Presidents, and we want your help.

• Who on your campus fits these criteria?

• Which presidents (past or present) deserve examination?

• What specific stories, patterns, or documents should be highlighted?

• What additional criteria should be added for future reporting?

Send your confidential tips, analyses, and suggestions. Together, we can shine light into administrative corners that have remained dark for far too long.

Higher Education Inquirer welcomes further input and encourages readers to share this article with colleagues, student groups, labor organizers, and university newspapers.

Generation Z and the Fractured American Dream: Class Divide, Debt, and the Search for a Future

For Generation Z, the old story of social mobility—study hard, go to college, work your way up—has lost its certainty. The class divide that once seemed bridgeable through education now feels entrenched, as debt, precarious work, and economic volatility blur the promise of progress.

The new economy—dominated by artificial intelligence, speculative assets like cryptocurrency, and inflated housing markets—has not delivered stability for most. Instead, it’s widened gaps between those who own and those who owe. Many young Americans feel locked out of wealth-building entirely. Some have turned to riskier bets—digital assets, gig work, or start-ups powered by AI tools—to chase opportunities that traditional institutions no longer provide. Others have succumbed to despair. Suicide rates among young adults have climbed sharply in recent years, correlating with financial stress, debt, and social isolation.

And echoing through this uncertain landscape is a song that first rose from the coalfields of Kentucky during the Great Depression—Florence Reece’s 1931 protest hymn, “Which Side Are You On?”

Come all you good workers,
Good news to you I’ll tell,
Of how the good old union
Has come in here to dwell.

Which side are you on?
Which side are you on?

Nearly a century later, those verses feel newly urgent—because Gen Z is again being forced to pick a side: between solidarity and survival, between reforming a broken system or resigning themselves to it.

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The Class Divide and the Broken Ladder
Despite record levels of education, Gen Z faces limited social mobility. College remains a class marker, not an equalizer. Students from affluent families attend better-funded universities, graduate on time, and often receive help with housing or job placement. Working-class and first-generation students, meanwhile, navigate under-resourced campuses, heavier debt, and weaker professional networks.

The Pew Research Center found that first-generation college graduates have nearly $100,000 less in median wealth than peers whose parents also hold degrees. For many, the degree no longer guarantees a secure foothold in the middle class—it simply delays financial independence.

They say in Harlan County,
There are no neutrals there,
You’ll either be a union man,
Or a thug for J. H. Blair.

The metaphor still fits: there are no neutrals in the modern class struggle over debt, housing, and automation.

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Debt, Doubt, and the New Normal
Gen Z borrowers owe an average of around $23,000 in student loans, a figure growing faster than any other generation’s debt load. Over half regret taking on those loans. Many delay buying homes, having children, or even seeking medical care. Those who drop out without degrees are burdened with debt and little to show for it.

The debt-based model has become a defining feature of American life—especially for the working class. The price of entry to a better future is borrowing against one’s own.

Don’t scab for the bosses,
Don’t listen to their lies,
Us poor folks haven’t got a chance
Unless we organize.

If Reece’s song once called miners to unionize against coal barons, its spirit now calls borrowers, renters, adjuncts, and gig workers to collective resistance against financial systems that profit from their precarity.

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AI and the Erosion of Work
Artificial intelligence promises efficiency, but it also threatens to hollow out the entry-level job market Gen Z depends on. Automation in journalism, design, law, and customer service cuts off rungs of the career ladder just as young workers reach for them.

While elite graduates may move into roles that supervise or profit from AI, working-class Gen Zers are more likely to face displacement. AI amplifies the class divide: it rewards those who already have capital, coding skills, or connections—and sidelines those who don’t.

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Crypto Dreams and Financial Desperation
Locked out of traditional wealth paths, many young people turned to cryptocurrency during the pandemic. Platforms like Robinhood and Coinbase promised quick gains and independence from the “rigged” economy. But when crypto markets crashed in 2022, billions in speculative wealth evaporated. Some who had borrowed or used student loan refunds to invest lost everything.

Online forums chronicled not only the financial losses but also the psychological fallout—stories of panic, shame, and in some tragic cases, suicide. The new “digital gold rush” became another mechanism for transferring wealth upward.

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The Real Estate Wall
While digital markets rise and fall, real estate remains the ultimate symbol of exclusion. Home prices have climbed over 40 percent since 2020, while mortgage rates hover near 8 percent. For most of Gen Z, ownership is out of reach.

Older generations built equity through housing; Gen Z rents indefinitely, enriching landlords and institutional investors. Without intergenerational help, the “starter home” has become a myth. In America’s new class order, those who inherit property inherit mobility.

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Despair and the Silent Crisis
Behind the data lies a mental health emergency. The CDC reports that suicide among Americans aged 10–24 has risen nearly 60 percent in the past decade. Economic precarity, debt, housing insecurity, and climate anxiety all contribute.

Therapists describe “financial trauma” as a defining condition for Gen Z—chronic anxiety rooted in systemic instability. Universities respond with mindfulness workshops, but few confront the deeper issue: a society that privatized risk and monetized hope.

They say in Harlan County,
There are no neutrals there—
Which side are you on, my people,
Which side are you on?

The question lingers like a challenge to policymakers, educators, and investors alike.

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A Two-Tier Future
Today’s economy is splitting into two distinct realities:

• The secure class, buffered by family wealth, education, AI-driven income, and real estate assets.

• The precarious class, burdened by loans, high rents, unstable work, and psychological strain.

The supposed democratization of opportunity through technology and education has in practice entrenched a new feudalism—one coded in algorithms and contracts instead of coal and steel.

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Repairing the System, Not the Student
For Generation Z, the American Dream has become a high-interest loan. Education, technology, and financial innovation—once tools of liberation—now function as instruments of control.

Reforming higher education is necessary, but not sufficient. The deeper work lies in redistributing power: capping predatory interest rates, investing in affordable housing, curbing speculative bubbles, ensuring that AI’s gains benefit labor as well as capital, and confronting the mental health crisis that shadows all of it.

Florence Reece’s song endures because its question has never been answered—only updated. As Gen Z stands at the intersection of debt and digital capitalism, that question rings louder than ever:

Which side are you on?

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Sources

• Florence Reece, “Which Side Are You On?” (1931).

• Pew Research Center, “First-Generation College Graduates Lag Behind Their Peers on Key Economic Outcomes,” 2021.

• Dēmos, The Debt Divide: How Student Debt Impacts Opportunities for Black and White Borrowers, 2016.

• EducationData.org, “Student Loan Debt by Generation,” 2024.

• Federal Reserve Bank of St. Louis, Gen Z Student Debt and Wealth Data Brief, 2022.

• CNBC, “Gen Z vs. Their Parents: How the Generations Stack Up Financially,” 2024.

• WUSF, “Generation Z’s Net Worth Is Being Undercut by College Debt,” 2024.

• Newsweek, “Student Loan Update: Gen Z Hit with Highest Payments,” 2024.

• The Kaplan Group, “How Student Debt Is Locking Millennials and Gen Z Out of Homeownership,” 2024.

• CDC, Suicide Mortality in the United States, 2001–2022, National Center for Health Statistics, 2023.

• Brookings Institution, “The Impact of AI on Labor Markets: Inequality and Automation,” 2024.

• CNBC, “Crypto Crash Wipes Out Billions in Investor Wealth, Gen Z Most Exposed,” 2023.

• Zillow, “U.S. Housing Affordability Reaches Lowest Point Since 1989,” 2024.

Examining the Debt and Earnings of “Professional” Programs (Robert Kelchen)

 [Editor's note: This article first appeared in the Robert Kelchen Blog.] 

Robert Kelchen Read on blog or Reader Examining the Debt and Earnings of “Professional” Programs By Robert on November 10, 2025 Negotiated rulemaking, in which the federal government convenes representatives of affected parties before implementing major policy changes, is one of the wonkier topics in higher education. (I cannot recommend enough Rebecca Natow’s book on the topic.) Negotiated rulemaking has been in the news quite a bit lately as the Department of Education works to implement changes to federal student loan borrowing limits passed in this summer’s budget reconciliation law. Since 2006, students attending graduate and professional programs have been able to borrow up to the cost of attendance. But the reconciliation law limited graduate programs to $100,000 and professional programs to $200,000, setting off negotiations on which programs counted as “professional” (and thus received higher loan limits). The Department of Education started with ten programs and the list eventually went to eleven with the addition of clinical psychology. In this short post, I take a look at the debt and earnings of these programs that meet ED’s definition of “professional,” along with a few other programs that could be considered professional but were not. Data and Methods I used program-level College Scorecard data, focusing on debt data from 2019 and five-year earnings data from 2020. (These are the most recent data points available, as the Scorecard has not been meaningfully updated during the second Trump administration. Five-year earnings get students in health fields beyond medical residencies. I pulled all doctoral/first professional fields from the data by four-digit Classification of Instructional Programs codes, as well as master’s degrees in theology to meet the listed criteria. Nine of the eleven programs had enough graduates with debt and earnings to report data; osteopathic medicine and podiatry did not. There were five other fields of study with at least 14 programs reporting data: education, educational administration, rehabilitation, nursing, and business administration. All of these clearly prepare people for employment in a profession, but are not currently recognized as “professional.” Key takeaways Below is a summary table of debt and earnings for professional programs, including the number of programs above the $100,000 (graduate) and $200,000 (professional) thresholds. Dentistry, pharmacy, and medicine have a sizable share of programs above the $100,000 threshold, while law (the largest field) has only four of 195 programs over $200,000. Theology is the only one of the nine “professional” programs with sufficient data that has higher five-year earnings than debt, suggesting that students in other programs may have a hard time accessing the private market to fill the gap between $200,000 and the full cost of attendance. On the other hand, four of the five programs not included as “professional” have higher earnings than debt, with nursing and educational administration being the only programs with sufficient data that had debt levels below 60% of earnings. More than one-third of rehabilitation programs had debt over the new $100,000 cap, while few programs in other fields had that high of a debt level. (Education looks pretty good now, doesn’t it?) I expect the debate over what counts as “professional” to end up in courts and to possibly make its way into a future budget reconciliation bill (about the only way Congress passes legislation at this point). Until then, I will be hoping for newer and more granular data about affected programs.

Growing Up Later, Paying Longer: How Extended Adolescence Deepens the Student Loan Crisis

Recent neuroscience is challenging everything we thought we knew about adulthood. A landmark study from the University of Cambridge finds that our brains remain in an “adolescent” phase until around age 32. During this extended period, the brain undergoes major structural rewiring, improving connectivity, executive function, and decision-making. In other words, young adults in their 20s and early 30s are still biologically refining the very skills society expects them to rely on for financial independence.

Yet economic realities tell a different story. In the United States, the average college graduate carries over $30,000 in student loan debt, with repayment often starting immediately after graduation. For students pursuing graduate or professional school — law, medicine, business, or PhDs — debt often doubles or triples, and repayment is further delayed, sometimes beginning in the late 20s or early 30s. This period coincides precisely with the brain’s extended adolescent development phase, when executive function, risk assessment, and long-term planning are still maturing.

For many working-class students, this biological-economic mismatch is compounded by trauma and systemic inequality. Students from lower-income families may enter college already carrying family debt, needing to work multiple jobs, or facing housing insecurity. Borrowing to attend graduate school can trigger stress responses in the brain, affecting decision-making, emotional regulation, and risk assessment at a time when these very circuits are still developing. Early-life adversity, including exposure to poverty, unstable housing, or family stress, can alter brain development and magnify the challenges of managing debt during the extended adolescent phase. The combination of prolonged brain maturation, massive student debt, and class-based stressors can increase anxiety, depression, and burnout, especially for first-generation and working-class students who may lack generational financial knowledge.

Graduate education intensifies these pressures. Graduate students often juggle heavy workloads, research obligations, and living costs while navigating large financial obligations at a developmental stage where executive functions are still stabilizing. High debt and extended schooling push milestones such as homeownership, family formation, and career stability into the early-to-mid 30s, overlapping with the final phase of brain maturation. For working-class students, who often have fewer safety nets, financial missteps or delayed income can be more consequential and stressful, amplifying the inequities embedded in higher education financing.

Addressing student loan burdens requires policies that recognize both neurodevelopmental science and socioeconomic realities. Repayment programs that delay full payments until the late 20s or early 30s would reduce stress during a critical brain development window. Income-contingent or progressive repayment plans can scale obligations with early-career earnings, particularly for graduate students carrying high debt burdens. Financial literacy and counseling programs must also integrate trauma-informed support, teaching budgeting and debt management while recognizing the emotional impacts of financial stress. Mental health resources should be accessible for students navigating the combined pressures of debt, class-based disadvantage, and developmental transitions. Systemic reform in higher education financing, including expanded grants, debt-free programs, fellowships, and living stipends, would reduce structural disadvantages for working-class students and support more equitable access to higher education.

Prolonged adolescence reframes the student debt crisis, particularly for graduate students and working-class borrowers. Our brains continue to mature into the early 30s, yet financial systems demand fully developed decision-making skills much earlier. For students from lower-income families, this gap is widened by trauma, structural inequality, and fewer safety nets. To support healthy, resilient, and economically secure generations, policymakers must recognize that growing up biologically and psychologically takes longer than society allows, and that debt obligations should not compound trauma or class disadvantage. Aligning financial policy with developmental science and social equity is not just fair — it is essential.
Sources


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Arslan, S., et al. “Modular Segregation of Structural Brain Networks Supports Executive Function in Youth.” NeuroImage, 2016. https://arxiv.org/abs/1608.03619


Bethlehem, R.A.I., et al. “Preferential Detachment During Human Brain Development: Age- and Sex-Specific Structural Connectivity in DTI Data.” 2014. https://arxiv.org/abs/1404.0240


Aljazeera. “Does Adolescence Last Until 32? Scientists Unlock Brain’s Five Eras.” 2025. https://www.aljazeera.com/news/2025/11/26/does-adolescence-last-until-32-scientists-unlock-brains-five-eras


U.S. Federal Reserve. “Report on the Economic Well-Being of U.S. Households: 2025.” https://www.federalreserve.gov/publications/2025-economic-well-being-of-us-households.html

Medugrift: The Unsustainable Nature of University-Related Health Care

University-related health care has become a sprawling and increasingly unsustainable enterprise. What began as a mission to train doctors, nurses, and medical researchers in service of the public good has morphed into a vast, profit-driven complex. Tied to the branding of universities, the financial imperatives of Big Medicine, and the precarious economics of higher education, this “Medugrift” reflects many of the same dysfunctions we see across American higher ed.

The University as Health Care Conglomerate
Major research universities often operate sprawling medical centers that rival Fortune 500 corporations in both revenue and expenses. Academic health systems like those at Johns Hopkins, Duke, Michigan, or USC bring in billions annually. Yet despite this scale, their finances are increasingly fragile. They rely heavily on a combination of government reimbursements, philanthropy, and sky-high tuition from medical students—many of whom graduate with debt loads exceeding $200,000.

For universities, medical schools and hospitals serve as prestige engines and revenue streams, but they also drain resources, saddle institutions with debt, and expose them to scandals involving fraud, patient neglect, or mismanagement.

The Student and Worker Burden
The workforce supporting university health systems—residents, nurses, adjunct faculty, contract staff—often face long hours, low pay relative to the work demanded, and little job security. Meanwhile, students in health care disciplines are treated less as apprentices of the healing profession and more as revenue sources for both the university and affiliated corporations.

Many young doctors-in-training are funneled into a system where their debt and exhaustion make them more compliant with the corporatization of medicine. Universities profit from this cycle, while students and patients carry the costs.

Ballooning Costs and Broken Promises
Despite claims of providing cutting-edge care and serving communities, university health systems often contribute to the nation’s crisis of affordability. Hospital charges at university facilities are often higher than at non-teaching hospitals, reflecting not only the real costs of research and training but also the administrative bloat, marketing budgets, and executive compensation packages that mirror the rest of higher ed.

Patients face sticker shock, insurers pass costs to the public, and communities are left to wonder whether these “nonprofit” institutions are truly accountable.

Medugrift and the Future
The term Medugrift captures the contradictions: universities use the prestige of medical schools and hospitals to attract funding and political clout, but the system feeds on debt, underpaid labor, and inflated costs. It is not financially or ethically sustainable.

As university debt rises and student loan defaults grow, the Medugrift may become a central fault line in the higher education crisis. Already, some universities have been forced to sell or spin off their hospitals. Others double down, betting on health care revenue streams to subsidize declining undergraduate enrollments.

But this path cannot hold indefinitely. Like the broader higher education bubble, the university health care complex rests on fragile assumptions: endless student demand, limitless patient reimbursements, and unquestioned public trust. If those foundations crack, the consequences for both higher education and health care will be profound.

K-12 Virtual Education: A Broken Pipeline to College and Jobs

K12 Inc., now rebranded as Stride, is a Wall Street darling—but for students, it’s a nightmare. Critics call it “one of the worst charter schools in America,” with dropout rates soaring above 50% and graduation rates below 30%. Behind the glossy marketing and investor pitches, Stride operates as a pipeline not to opportunity, but to debt, dead-end jobs, and corporate profit.

Stride presents itself as an innovative online education platform, but the numbers tell a different story. Full-time virtual schools nationally graduate just 54.6% of students, compared to 85% in traditional public schools. K12/Stride’s virtual offerings hover around 56.3%, with blended programs faring slightly better at 80.9%. In some districts, however, the picture is grim: Kansas K12 charters reported graduation rates as low as 26.3%, while local brick-and-mortar schools achieved nearly 90%.

High student churn compounds the problem. Stride-powered schools report turnover of 50–57%, highlighting systemic disengagement and academic instability. Student-teacher ratios are extreme, sometimes exceeding 40:1, more than double the national average. Only a third of K12 schools met Adequate Yearly Progress under No Child Left Behind, illustrating a chronic failure to deliver even basic accountability.

K-12 education is meant to be a pipeline—leading students into college, skilled careers, and financial stability. For students leaving Stride underprepared or without diplomas, that pipeline is broken. Many are pushed into low-wage work, forced into remedial college courses, or trapped in a credential system designed to extract debt rather than confer opportunity. In this way, Stride acts less as an educational institution and more as a conveyor belt funneling vulnerable youth into economic precarity.

Stride is backed by investors and private equity interests that profit from this dysfunction. Its glossy “Graduation Guarantee,” introduced in 2021, promises remediation for students who age out without graduating. But these measures are reactive, not systemic; they don’t address the structural incentives that prioritize profit over learning. Every public dollar flowing into Stride’s coffers is money extracted from communities, while many students exit the system with weak credentials and limited prospects.

The broader story is clear: billionaire-backed for-profit virtual schools like Stride are part of a national effort to privatize public education, monetize student debt, and commodify learning. They transform education from a public good into a profit center, leaving students and families to bear the real cost. Without accountability, oversight, and a renewed commitment to equitable public education, this pipeline—supposed to carry students toward opportunity—will continue to deliver them into debt, underemployment, and economic marginalization.

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Sources

• National Education Policy Center (2021). Virtual Schools in the U.S. nepc.colorado.edu

• Network for Public Education (2019). Are Online Charter Schools Good Options for Families? networkforpubliceducation.org

• SourceWatch. K12 Inc. sourcewatch.org

• Public Schools First NC. Online Charter Schools. publicschoolsfirstnc.org

• Education Week. 15 Months in Virtual Charter Hell. edweek.org

• Houston Chronicle (2025). Texas Expands Virtual School Enrollment Amid Accountability Concerns. houstonchronicle.com

• Stride Inc. (2021). Graduation Guarantee. investors.stridelearning.com

• Diane Ravitch Blog (2021). Teacher Reflects on Working for K12 Inc. dianeravitch.net

• Wikipedia. Stride, Inc. en.wikipedia.org