“Legal” rackets have two essential components: a public-relations “cover” that obscures the racket and the mechanism that extracts the wealth from the “marks.” The Higher Education Racket qualifies on both counts: 1. The PR cover is “you all need a…
Short, intense directed apprenticeships that teach students how to learn on their own to mastery are the future of higher education. So it turns out sitting in a chair for four years doesn’t deliver mastery in anything but the acquisition…
‘Being behind on student loan payments in Texas could cost you more than your credit score. The US Marshals Service in Houston is arresting people who aren’t paying their federal student debt. Paul Aker said that seven deputy US Marshals showed up at his Houston home in combat gear. “I was wondering, why are you […]
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‘As of October 2015, American consumers owe $8.17 trillion in mortgages, $900 billion in credit cards, and $1.19 trillion in student loans. Home mortgages, credit cards, and student loans occupy the most of the consumer credit market. The consumer credit market is the dream paradise of money merchants, known as moneylenders. Just as pharma companies […]
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Everyone understands soaring student debt is a problem: burdened with $1.3 trillion in student loans, young people are unable to start businesses, buy homes and start families. The high cost of housing and meeting regulations to launch businesses add additional…
‘In a recent issue of Psychology Today, Peter Gray joined the chorus of Millennial-bashers, making the case that college kids lack “resilience.” He says that more college students depend on counseling services and offers up anecdotes of woefully pathetic kids. The basic gist of the piece — common to this genre of article — is […]
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‘It will not be news to 41 million Americans that this nation is in the middle of a student debt crisis. That’s the number of people burdened by student loan payments. But many people, including many student debt holders, may be surprised to learn that people can be pursued for student debt even into their […]
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‘Much of higher education is a fraud, and much of the reason higher education is such a huge fraud is the structure of the student loan scam. It’s a three step process. First, students take […]