Student Loans and a Brutal Lifetime of Debt (Dahn Shaulis and Glen McGhee)

The US Department of Education is holding more than 900,000 student loans that are at least 30 years old. Tens of thousands of these loans originated almost a half-century ago. And it's likely that most of the total balances are the result of interest charges that have accumulated over the decades--from people who can't ever pay back their loans.

 

Source: US Department of Education  

Will these student loans finally be forgiven under the latest Biden forgiveness plan?  Or will the US continue to honor (and bail out) the rich while punishing generations of the working class for their mistakes?  

The information in this article is part of a larger effort to examine quality of life, disability, and premature death among student loan debtors. Our most recent Freedom of Information requests to the US Department of Education attempt to gather more information.

23-02758-F  

The Higher Education Inquirer is asking for the age and cause of death of the last 100 student loan debtors whose debt was relieved because of death.  The age and cause of death should be listed on the death certificates sent to the US Department of Education for student loan relief.   (Date Range for Record Search: From 09/09/2022 To 09/09/2023)

23-02747-F  

The Higher Education Inquirer is requesting the number of loans and the dollar amount of loans that have been discharged each year for the last ten years due to (1) death and (2) disability.  If available, we would also like an estimate of the number of debtors affected in that decade.   (Date Range for Record Search: From 09/08/2013 To 09/08/2023)

From Glen McGhee:

A study published in the Journal of American College Health[2] reveals that student loans are associated with negative health outcomes among college students, including delaying medical care. The study found that those with student loans are more likely to delay medical, dental, and mental health care[1]. 

 

Another study published in Health Soc Care Community[4] found that borrowers behind or in collections on student loans are forgoing healthcare after self-reporting general physical ill-health. The study's objective examines whether falling behind on student loans may compound ill-health by deterring people from seeking healthcare. The results of this study confirm that student loans are associated with poor health. 

 

A survey conducted by ELVTR[5] found that 54% of respondents say their mental health struggles are directly related to their student loan debt. Additionally, over 80% of participants say student loan debt has delayed a major life event for them. 

 

Another survey conducted by CNBC + Acorns Invest In You[6] found that more than 60% of borrowers say student loan debt has negatively affected their mental health.

Citations:
[1] https://theconversation.com/college-students-with-loans-more-likely-to-report-bad-health-and-skip-medicine-and-care-study-finds-209810
[2] https://www.psypost.org/2023/07/study-links-student-loans-to-negative-health-outcomes-and-delayed-medical-care-among-college-students-166116
[3] https://pubmed.ncbi.nlm.nih.gov/36595565/
[4] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9542623/
[5] https://www.cnbc.com/2022/09/21/americans-mental-health-continue-to-struggle-amid-student-loan-debt.html
[6] https://www.cnbc.com/2022/01/29/student-loan-debt-hurts-the-mental-health-of-most-borrowers.html

The Future of Publicly-Funded University Hospitals (Dahn Shaulis and Glen McGhee)

There are more than 200 active university medical centers (UMCs) and 1,700 teaching hospitals in the United States. These institutions, tied to America's major universities, employ large numbers of medical professionals, administrators, and laborers. While UMCs have grown in size, dominating areas in major cities, locating facilities that are financially well, well-staffed, and adequately resourced has become more difficult. 

Also known as academic medical centers or AMCs, UMCs feel the financial strain of a number of social issues: a growing elderly population, drug overdoses, mental health problems, gunshot wounds, victims of car crashes, children with severe illnesses, and numerous medical problems related to poverty.  Some UMCs are trying to grow out of their financial problems by expanding their networks and buying up other facilities that may provide more profitability.  

Private equity is also taking over hundreds of hospitals and clinics across the US, finding value where they can, however they can. Private for-profit hospitals, for example, will steer their most vulnerable patients to UMCs. And they will cut out programs they cannot profit from. Publicly funded university hospitals often cannot turn people away or dump patients if they cannot pay their medical bills--or if they are not covered by premium insurance.  

While nurses and other medical laborers may be overworked and short-staffed, CEO pay is often $1M-$3M a year at larger institutions. And many medical centers, both public and private, are run with administrators focused more on cost containment rather than patient care and preventive care. 

 

Simply adding money to these institutions without transparency, accountability, and reform not only makes the situation no better, it means less money for other areas of need, such as public health, K-12 education, safe and affordable housing, clean air and water, public transportation, and infrastructure.

Critical Condition   

While the covid epidemic was horrifying for hospitals, the underlying conditions for many UMC's are a slow-motion disaster. University medical centers are facing financial challenges due to several key factors:

1. Rising costs outpacing revenue growth: Operating expenses, particularly for staff, facilities, and technology investments, are increasing faster than patient care revenue. 

2. Reduced government funding: State support for academic health centers has been shrinking since the early 1990s. Federal and state funding for medical research and education has also stagnated or declined.

3. Lower reimbursement rates: UMCs are facing low reimbursement rates from Medicaid, Medicare, and commercial insurance. Cost-control measures introduced by the Affordable Care Act have also impacted revenues.

4. Legacy pension costs: Some UMCs are burdened with high fringe benefit costs inherited from state systems.

5. Increased competition: Many UMCs are too small to compete effectively in the current healthcare market against monopolies like HCA and Keiser. Their lack of scale gives them little leverage in negotiations for services and supplies.

6. Balancing multiple missions: UMCs must juggle patient care, research, and education. This can lead to inefficiencies, as physician time spent on research and teaching is less profitable than pure clinical care.

7. Infrastructure investments: UMCs need to make large investments in infrastructure and technology to maintain top-tier diagnostic and research capabilities

The main problem seems to be that the traditional financial model for academic medical centers is no longer sustainable in the current healthcare environment. Their operating costs are rising faster than their revenue sources can keep up, and they are struggling to maintain financial viability while fulfilling their multiple missions of patient care, research, and education.

Saving Lives is Unprofitable 

 

Burn Units: Treating burn victims requires specialized staff and facilities, leading to high costs, while insurance reimbursements may not fully cover them.

Neonatal Intensive Care Units (NICUs): While essential, NICU care for premature or critically ill newborns is expensive due to the high level of support needed.

Trauma Centers: Trauma care often involves a high volume of resources and unpredictable patient conditions, making it difficult to predict or control costs.

Mental Health Services: Mental healthcare reimbursement rates tend to be lower compared to other specialties, making these programs less profitable.

The Bigger (Unhealthy) Picture 

This strain at UMCs is under-girded by a dysfunctional and expensive healthcare system serving a population that is violent and unequal, and increasingly sedentary, unhealthy, disabled, elderly, and under psychological strain.

 

Around 40% of US hospitals are operating at a loss according to Kaufman Hall. And about half of all rural hospitals are running in the red. Obstetrics and delivery services are big money losers in these hospitals. Hundreds of these units, and their hospitals, are at risk of closing, leaving folks with longer travel times to get medical care. 

 

In 2022, U.S. healthcare spending reached $4.5 trillion, or $13,493 per person. The cost of healthcare per person in other wealthy countries is less than half as much. Despite this enormous spending, US life expectancy is 3 to 4 years less than other OECD nations. For those with means, though, the US offers some of the best medical care in the world. 

Zooming In

Financial problems and/understaffing and safety issues have been noted at:

University of Vermont Health Network (VM)

Nassau University Medical Center (NY)

CarePoint Health and Hoboken University Medical Center (NJ)
Rutgers Robert Wood Johnson Medical School (NJ)

George Washington University Hospital (DC)

Penn Medicine-University of Pennsylvania (PA)
University of Pittsburgh Medical Center (PA)

University Hospitals-Case Western Reserve (OH)
West Virginia University Medicine (WV)
University of Miami Health System (FL)

University Medical Center-LSU and Tulane (LA)
Detroit Medical Center-Wayne State University (MI)
Marquette University Health Care (WI)
Cook County Health-Rush University (IL)
University of Chicago Medical Center (IL)
Oregon Health & Science University (OR)

University of New Mexico Hospital (NM)
UCLA Health (CA)

University of California, including UC Davis (CA)

We expect to see more headlines about the declining finances at some university hospitals--and the downsizing that will follow. Fierce Healthcare has created a layoff tracker to monitor these events.

Related links:

Baby Boomers Turning 80: The Flip Side of the 2026 Enrollment Cliff

State Universities and the College Meltdown

American Hospital Association (AHA) Report: New AHA Report Finds Financial Challenges Mount for Hospitals & Health Systems Putting Access to Care at Risk (April 2023)

McKinsey & Company: Ensuring the financial sustainability of academic medical centers (July 2023)

 

PESP Private Equity Hospital Tracker 

DEBT STRIKE!

The first Debt Strike event in 2021 was held in Philadelphia on Monday January 4th, outside the Biden-Harris headquarters, at 1500 Market Street. 

Hosts and co-sponsors were The Debt Collective, The Black and Brown Coalition of PHL, BLM Philly, Racial Justice Organizing Committee, Philly DSA, BLM Week of Action Philly, LILAC, Philly Sunrise, Philadelphia Student Union, Philly Boricua

Student debt forgiveness is no longer a fringe issue.  In June 2020, 60 groups, including the NAACP, the American Federation of Teachers, and the National Consumer Law Center supported debt relief. By November 2020, more than 230 groups called for Joe Biden to cancel the debt (see list below). However, Biden is reluctant to do an executive order. 

Here are links to some US student debt groups and associated links:

Debt Collective 

NAACP, Labor Unions, And 235 Other Groups Call On Biden To Cancel Student Debt On Day On (Adam Minsky, Forbes)

AOC tells progressives to ‘push Biden hard’ on canceling student loan debt (Fox Business)

‘Should I have even gone to college?’: Why Philly borrowers want Biden to cancel student debt (Ximena Conde, WHYY)

Protest aims to push Biden toward student loan relief (Jack Tomczuk, Metro)

Philly-area residents pay off more student debt — nearly $40,000, on average — than graduates in San Francisco and New York (Philadelphia Inquirer) 

Student Loan Debt in Philadelphia (Ann Tranfaglia, Philadelphia Federal Reserve)

Center for Responsible Lending, State by State Reports

People in Debt Have Formed a Union to Fight Back (Truthout)

Organized Debtors Are Preparing to Strike If Biden Doesn’t Cancel Student Deb (Truthout)

NAACP And 60 Other Groups Call On Congress To Cancel Student Deb (Forbes)

I Am Ai

Student Loan Justice
ITT Tech Warriors

Strike Debt Portland 

Student Debt Crisis

Student Borrower Protection Center

Harvard Project on Predatory Student Lending
Saving For College (Mark Kantrowtitz)  

Student Loan Volumes Show College Meltdown Has Accelerated (College Meltdown)

Groups Supporting Debt Forgiveness

Asset Funders Network
Action Center on Race and the Economy (ACRE)
Advocates for Youth
Agroecology Research-Action Collective
Alliance for Strong Families and Communities
Alliance for Youth Action
American Academy of Social Work & Social Welfare (AASWSW)
American Association of Colleges for Teacher Education
American Association of University Women (AAUW)
American Economic Liberties Project
American Federation of Teachers
American Medical Student Association
American Psychological Association
Americans for Democratic Action (ADA)
Americans for Financial Reform
Asian Pacific American Labor Alliance, AFL-CIO
Augustus F. Hawkins Foundation
Bayard Rustin Liberation Initiative
Bend the Arc: Jewish Action
Campaign for America’s Future
Center for Justice & Democracy
Center for Law and Social Policy (CLASP)
Center for LGBTQ Economic Advancement & Research
Center for Popular Democracy Action
Center for Responsible Lending
CFPB Union NTEU 335
Children’s Defense Fund
Clearinghouse on Women’s Issues
Coalition on Human Needs
Community Organizing and Family Issues
Community Oriented Correctional Health Services (COCHS)
Consumer Federation of America
Consumer Reports
Council on Social Work Education
Demand Progress
Demos
Disability Rights Education & Defense Fund (DREDF)
Economic Justice Ministries, United Church of Christ
Emgage Foundation Inc
EMPath: Economic Mobility Pathways
Franciscan Action Network
Friends of the Earth U.S.
Generation Progress
Girls Inc.
Greenpeace
Hispanic Federation
In Our Own Voice: National Black Women’s Reproductive Justice Agenda
Indivisible
Insight Center for Community Economic Development
Invest in Women Entrepreneurs
Japanese American Citizens League
Jobs With Justice
Labor Council For Latin American Advancement
League of United Latin American Citizens (LULAC)
Media Voices for Children
Minority Veterans of America
MomsRising
MoveOn
MyPath
NAACP
NACBHDD – National Association of County Behavioral Health and Developmental Disability Directors
NARMH – National Association for Rural Mental Health
National Advocacy Center of the Sisters of the Good Shepherd
National Alliance for Partnerships in Equity (NAPE)
National Association for College Admission Counseling
National Association for Latino Community Asset Builders
National Association of Consumer Advocates
National Association of Consumer Bankruptcy Attorneys (NACBA)
National Association of Social Workers (NASW)
National Center for Law and Economic Justice
National Children’s Campaign
National Community Reinvestment Coalition (NCRC)
National Consumer Law Center (on behalf of its low-income clients)
National Domestic Violence Hotline
National Education Association
National Employment Law Project
National Equality Action Team (NEAT)
National Latino Farmers & Ranchers Trade Association
National Partnership for Women & Families
National Partnership for Women and Families
National Urban League
National WIC Association
National Women’s Law Center
National Young Farmers Coalition
OCA – Asian Pacific American Advocates
Organic Consumers Association
Parents Organized to Win, Educate and Renew – Policy Action Council
People For the American Way
People’s Action
People’s Parity Project
Progressive Change Campaign Committee (BoldProgressives.org)
Progressive Leadership Initiative
Project on Predatory Student Lending
Protect All Children’s Environment
Public Advocacy for Kids (PAK)
Public Citizen
Public Counsel
Public Good Law Center
Rachel Carson Council
Restaurant Opportunities Centers United
Revolving Door Project
School Social Work Association of America
Service Employees International Union (SEIU)
Sikh American Legal Defense and Education Fund (SALDEF)
Social Security Works
Southeast Asia Resource Action Center (SEARAC)
Southern Rural Black Women’s Initiative for Economic and Social Justice
Student Action
Student Borrower Protection Center
Student Debt Crisis
Student Defense
Student Voice
Sunrise Movement
Swipe Out Hunger
Take on Wall Street
Tax March
The Climate Mobilization
The Congress of Essential Workers
The Debt Collective
The Education Trust
Towards Justice
U.S. Federation of Worker Cooperatives
UE, United Electrical, Radio and Machine Workers of America
UnidosUS
United for a Fair Economy
United for Respect
United Parents And Students
United State of Women
United States Student Association
UnKoch My Campus
URGE: Unite for Reproductive & Gender Equity
Voices for Progress
Working Families Party
Young Invincibles

State Groups:

ACTION Tulsa
AFGE Local 3354 (AFL-CIO)
AFGE Local 704
AKPIRG
Arkansas Community Organizations
Bucks County Womens Advocacy Coalition
California LULAC
Cash Campaign of Maryland
Center for Economic Integrity
Center for Popular Democracy
Charlotte Center for Legal Advocacy
Chicago United for Equity
Chicago Urban League
Children’s Defense Fund Southern Regional Office
Children’s Defense Fund-CA
Civil Service Bar Association
Community Legal Services, Inc. of Philadelphia
Community Service Society of New York
Comprehensive Youth Services Inc.
Consumer Federation of California
Convencion Bautista Hispana de Texas
Debt-Free MD, INC.
Delaware Community Reinvestment Action Council, Inc.
Denver Area Labor Federation, AFL-CIO
East Bay Community Law Center
Education Minnesota
Empire Justice Center
Equality North Carolina
Fayetteville Police Accountability Community Taskforce
Friendship of Women, Inc.
Generation Hope
Georgia Watch
Grassroots Action NY
Greenlining Institute
Hildreth Institute
Housing and Economic Rights Advocates
Indivisible San Diego
Inversant
Jacksonville Area Legal Aid, Inc.
Just-A-Start Corporation
Kanawha Valley National Organization for Women
Kentucky Center for Economic Policy
Legal Aid Society of Milwaukee
Legal Services Staff Association, NOLSW/UAW 2320
Long Beach Alliance for Clean Energy
Los Amigos of Orange County
Louisiana Budget Project
LSCNY, Inc.
LULAC of Simi Valley
MAHA
Maine Center for Economic Policy
Maryland Consumer Rights Coalition
Massachusetts Affordable Housing Alliance
Massachusetts Budget and Policy Center
Massachusetts Jobs with Justice
Miami Valley Fair Housing Center, Inc.
Michigan Poverty Law Program
Mission Possible Community Services, Inc.
Mississippi Center for Justice
Mobilization for Justice
Montana Fair Housing
Morgantown Pastoral Counseling Center, Inc.
MS Black Women’s Roundtable and MS Women’s Economic Security Initiative
National Council on Alcoholism and Drug Dependence-Maryland Chapter
NC Climate Justice Collective
New Economics for Women
New Economy Project
New Era Colorado
New Georgia Project
New Jersey Association of Mental Health and Addiction Agencies, Inc.
New Jersey Citizen Action
NextGen California
Ohio Student Association
Olive Hill Community Economic Development Corporation, Inc
Pennsylvania Council of Churches
Piedmont Alliance for the Prevention of Substance Abuse (PAPSA)
Premier Women’s Council
Public Higher Education Network of Massachusetts (PHENOM)
Public Justice Center
Public Law Center
Reinvestment Partners
S.C. Appleseed Legal Justice Center
Save Us Now Inc
SEIU Local 509
Southern Echo Inc.
Southern Maryland Community Network
The Freedom BLOC
The Health, Education and Legal assistance Project: A Medical-Legal Partnership at Widener University Delaware Law School (HELP: MLP)
THE ONE LESS FOUNDATION
The Recovery Council
Triangle Community Foundation
Tzedek DC
United Vision for Idaho
Unity Fellowship of Christ Church NYC
Virginia Organizing
VOCAL-NY
VOICE – OKC
West Virginia Center on Budget and Policy
Wisconsin Faith Voices for Justice
Women Employed
Women’s Rights and Empowerment Network
Women’s Foundation of Arkansas
Women’s Foundation of Minnesota
Women’s Fund of Rhode Island
WV Citizen Action Education Fund
Zero Debt Massachusetts

Get Wise, Guys: The Perils of the Sports Betting Culture

The NCAA Calls it a Nightmare 

It's easy to get caught up in the excitement of betting on college sports, the potential for quick money, and the social aspect of it all. But let's peel back the curtain and examine the real dangers that lurk beneath the surface of the sports betting culture.  

The Illusion of Easy Money
While it may seem like a simple way to make extra cash, the reality is much more complex. The odds are stacked against you, and the house always has an edge. Chasing losses can lead to a dangerous cycle of debt and despair.

The Mental Toll
The emotional rollercoaster of sports betting can take a significant toll on your mental health. The highs of winning can be fleeting, while the lows of losing can be devastating. The constant stress, anxiety, and disappointment can lead to serious mental health issues.

The Social Impact
Gambling addiction can strain relationships with friends and family. It can lead to isolation, secrecy, and a breakdown of trust. Your academic performance may suffer as you prioritize betting over your studies.

Get Wise, Stay Wise
While it's tempting to indulge in the thrill of sports betting, it's important to approach it with a level head. If you are underage, don't do it.  If you are over 25 and don't have an addiction, stick to a few small bets and a small budget, and know when to walk away. Don't drink or do drugs before, during, or after wagering. If you find yourself struggling with a gambling addiction, seek help immediately.  And if someone notices problems before you do, consider them an ally, and listen. 

Remember, the true joy of sports lies in the game itself, not in the financial outcome.

The National Problem Gambling Helpline (1-800-GAMBLER) is operated by the National Council on Problem Gambling. The helpline serves as a one-stop hub connecting people looking for assistance with a gambling problem to local resources. This network includes 28 contact centers which cover all 50 states and the U.S. territories. The National Problem Gambling Helpline offers call, text and chat services 24/7/365.

College Students Guide to Mental Health (ABC News)

According to the Substance Abuse and Mental Health Services Administration, nearly one in three young adults 18 to 25 have experienced a mental illness. Psychologist Mia Nosanow joins “GMA” for more.

Competency-Based Education and the Consequences of Punching the Ticket in Record Time

Competency-based education (CBE) is one way for consumers to save time and money when a professional credential is necessary for employment and promotion. It allows busy adult learners to avoid the boredom of being taught things they already know through experience and prior training. And it can be less costly, at least in the short run. For employers, it can get more people into the labor pool.

Economically, using CBE for a degree is one way to mitigate the hyper-credentialism that exists in many professional fields: a hyper-credentialism that closed doors and more student loan debt. But using CBE to get over the system may result in significant downsides for job seekers, workers, and consumers of medical, mental health, and social services.  

Buyer Beware

Professionals who hold private career certifications or licensing in these areas are the best candidates for competency-based learning. This is especially true in Information Technology and nursing.  

 

There are downsides to buying into a CBE program, however. If you plan to move to another company or organization, the CBE degree or certificate may not hold as much value to prospective employers.

Consumers of medical and mental health and social services should be aware that just because a professional has an advanced degree or certificate that they have significantly more skills--even if the credentials are from an elite school.  This is true of graduates from CBE programs and other online offerings, where oversight may be limited, and cheating may be rampant. 

How campuses engage with the climate crisis: a taxonomy (Bryan Alexander*)

[This article is part of the Transparency-Accountability-Value series.]

How might colleges and universities grapple with the climate crisis?

This question is the subject of much of my work now, as you can see from these posts. Researching answers can lead in a wide range of directions, not to mention down some twisty rabbit holes. Today I’d like to avoid those depths and instead look at a very macro, very ten-thousand-foot level. Let’s explore a schematic analysis looking at campuses as institutions and communities, facing perhaps the greatest crisis of the century.

(I draw the following from my forthcoming book on the topic, Universities on Fire.)

To start, let’s break down the different ways by which the climate emergency can hit academic institutions. There’s the direct, environmental way, as storms strike, desertification and aridification expand, fire rage, heat rises, and waters surge through a campus. We can call this the primary impact vector.

Other campus impacts result from the ones crashing through the primary vector. Think of how temperature rises, the intrusion of salt into fresh water, and the arrival of new diseases can sabotage agriculture, which then leads to human misery and economic dislocation. This can reshape the area around some campuses, not to mention challenging a university’s ag programs. It can also injure campuses which enjoy appealing physical grounds in terms of mental health and outreach. Additionally, these ecological shocks can also strike academics directly, through newly arrived diseases. Increased storms can injure a local economy by damaging infrastructure, products, and workers, which can in turn blow back on a local college or university. Let’s place all of these knock-on effects under the header of a secondary impact vector.

Humanity responds to pressures exerted through the primary and secondary vectors, and these responses engage the academy. For example, natural disasters can prompt migration; the tendency of some regions to become uninhabitable will drive even more people to seek new abodes. Economic dislocation (a secondary impact vector) can breed social problems as well as feed extremist politics. Further, as humanity revises its energy production basis to get away from carbon dioxide, all kinds of ripples can work through society, from changes to economics, human spaces, and gender roles. If we extend our response to the crisis to include rethinking society and politics (viz anticapitalism, donut economics, decolonization, etc.), campuses feel the results as they are embedded within society and politics. I think of all of these organized together as the third climate crisis impact vector.

Given this triple threat, how can campuses react? As institutions, as individual people affiliated with schools, as groups within a college or university, academics have a broad range of strategies and responses available. Following the tripartite model above, we can similarly break down the scope or domain of academic action. Seen through our macro lens, academia can act on three levels, starting with the smallest events and actions taking place on campus: The physical campus. From renovating buildings to hosting renewable power generation, turning lawns to forests or gardens, banning carbon-burning vehicles, changing food service, and embracing green computing, academics have institutional grounds and materials as a major ground of action.

The campus in its community. Colleges and universities partner with local businesses, nonprofits, government agencies, and civil society for a range of purposes. The local community can also pressure a campus in many ways, from subjecting it to policies to protests. “Local” can scale up to municipal or other subnational governance, too. In short, there’s potential for productive work as well as friction. In America we call this “town-gown relations.”

Academia on the world stage. Already higher education contributes powerfully to humanity’s climate crisis actions by producing vital research. Individual academics can act as public intellectuals, translating their research for general consumption and influence. The reverse is also true as nation-states and transnational entities implement policies or generate other influences on the academic world. Further, some within the academy – faculty, staff, students – will seek to organize for climate mitigation and adaptation efforts. Indeed, some call on us now to imagine a new, post-carbon civilization; colleges and universities are fertile grounds for such creative work.

(I’ve also been thinking about the various arguments I’ve heard about why campus populations should not seek to change their institution during the climate crisis. Let me set those aside for now, perhaps for a future post just on the topic. That’s a different response category.)

To be fair, we can easily think of responses which cross between these boundaries, such as working with a religious group with a powerful local presence as well as a significant global one. Further, there’s not a hard and fast line between town-gown and academic in the world. I tend these artificial categories to be heuristics, a very rough sketch of possibilities.

How do these two sets of three interact? Let’s play them against each other to produce that beloved tool of futurists, a grid (click on grid for a clearer image):





To explicate this scheme further, I can offer some real world and hypothetical examples for each cell on this grid.

Primary or direct impact: on campus, elevating buildings to allow flood water to pass underneath. In community: students and faculty partnering to construct and maintain a large seawall. In the world: professors publishing research modeling the impact of an Atlantic Meridional Overturning Circulation (AMOC) slowdown.

Secondary impact: on campus, revising sociology curricula to focus on climate-driven social changes. In community: increasing partnerships with local medical care providers and public health authorities to address climate-caused health problems. In the world: students, faculty, and staff lobby national governments to adopt a no-growth economy.

Tertiary or socio-political impact: on campus, setting up an institute for Post-Carbon Society. In community: offering housing and teaching for climate refugees. In the world: scholars advocating in public to block geoengineering.

Let’s stick these into the grid:

Click on grid for a clearer image.

I think that shows the breadth of ways colleges and universities could engage with the climate emergency, both proactively and reactively. It might be useful to give academics a sense of the options they have, and a pointer towards the multi-pronged nature of the threat.

I hope it’s useful to some of you. What do you think of this template as a heuristic?

*Bryan Alexander is an award–winning, internationally known futurist, researcher, writer, speaker, consultant, and teacher, working in the field of higher education’s future. He is currently a senior scholar at Georgetown University. Bryan's next book is Universities on Fire, to be published by Johns Hopkins University Press. This article was originally published at BryanAlexander.org.

Mental Health: What Happens When Big 10 Grads Think "College is Bullsh*t"?

Pictures speak louder than words. And emotions move people more than rationality.  And the harsh words that Mike Newman (aka Ekim Namwen) speaks in his video "college is bullsh*t" express the anger and depression of a 30-something year old Ohio State graduate who gets it.  While Newman's work is thoughtful and original, the emotions are common in many once-aspiring graduates from state flagship universities who never quite get ahead.

If you can deal with the critical tone and the emotions expressed in this video, it's well worth looking at it from start to finish. If not, start looking at it from 28:30. Newmans's intent has been to finish a serious decade-long documentary on higher education, but two recent suicides at OSU led him to speak out against the madness of higher education: its outrageous costs, its greedy anti-labor administration, and its uncaring bureaucracy.

The College Meltdown has been going on for more than a decade, and things are getting worse. Books critical of higher education could fill a book case or two. That's admirable. And of course, there are some great exceptions amid the meltdown, such as free community college, and potential free market innovations such as TuitionFit, but the general direction of US higher education is downward.

The current reality is that millions of Americans are traumatized and silently suffering. Many Americans regret borrowing so much money to get the college degree they obtained, if they got a degree at all. The average family holds about $47,000 in student loan debt. And aside from a few student debt groups (like the Debt Collective and I Am Ai) and a few adjunct groups, there is very little resistance. Calls for change are met by other calls (by the rich and powerful) to abandon the dreams of higher education.

We can't blame the problems of higher ed just on higher education. US inequality has been increasing for a half century, and it displays itself across society, from "savage inequalities" in the college pipeline to how end of life is medicalized and made so expensive, at the expense of state and federal budgets.

But there has to be some recognition of the damage that has been done by business minded college administrators and college boards, by the madness of crushing student loan debt and underemployment, and the system that turns almost everything good into sh*t.

Related link: "Crapademia"​ and the Mis-overeducation of America
Related link: Education is a Racket (2016)

Higher Education Inquirer: Increasingly Relevant

The Higher Education continues to grow. We believe our growth stems largely from our increasing relevance and in our truth telling, which other higher education news outlets are unwilling to do in these times.

Our devotion to transparency, accountability, and value for our readers guides us. 

We invite a diverse group of guest authors who are willing to share their truths. The list includes academics from various disciplines, advocates, activists, journalists, consultants, and whistleblowers. We back up all of this work with data and critical analysis, irrespective of politics and social conventions. We are willing to challenge the higher education establishment, including trustees, donors, and university presidents.

Our articles covering student loan debt, academic labor, nonviolent methods of protest, and freedom of speech are unparalleled. And we are not shy about including other issues that matter to our readers, including stories and videos about mental health, student safety, technology (such as artificial intelligence), academic cheating, and the nature of work.  And matters of of war, peace, democracy, and climate change. 

Our focus, though mainly on US higher education, also has an international appeal. 

Some of our work takes years to produce, through careful documentation of primary and secondary sources, database analysis, and Freedom of Information Act (FOIA) requests. We share all of this information for everyone to see, at no cost.  

Of course, we could not operate without all your voices. We welcome all your voices. Something few other sources are willing to do.    

New Findings Highlight Borrowers' Student Loan Repayment Challenges and Impact on Key Milestones (Laurel Road)

[Editor's note: The Higher Education Inquirer is presenting this press release for information only. This is not an endorsement of the organizations mentioned in article.]

NEW YORK, Jan. 27, 2025 /PRNewswire/ -- A new survey, The Student Debt Dilemma: The Impact on Financial Milestones, released today by Laurel Road, a digital banking platform of KeyBank with specialized offerings for healthcare and business professionals, in partnership with Luminary, a global professional education and networking platform, and conducted by Kantar, reveals the obstacles borrowers face in managing student loan repayment – from information overload to confidence gaps.

The survey of 1,714 U.S. adults found that 70% felt overwhelmed when navigating repayment options, with 76% of respondents experiencing an overload of information, underscoring the significant anxiety and confusion faced by borrowers. These findings underscore the impact of debt on milestone life events as well as the difficulty of navigating an intricate repayment system.

Challenges amid Regulatory Changes
Recent changes and fluctuating regulations in the federal student loan system have created ongoing uncertainty for borrowers navigating their repayment options. According to the survey, 82% of respondents aged 25 to 44 reported feeling "unsure what plans/options are right for me," demonstrating the ever-changing environment as a primary pain point.

Additionally, 58% of individuals in the combined 25-44 age group reported feeling moderately overwhelmed – a significantly higher percentage compared to the 45 and older age group (34.8%)– emphasizing the unique challenges younger borrowers face in making informed decisions.

Low Levels of Confidence in Repayment Strategies
Navigating student loan repayment is a complicated process, requiring borrowers to understand available options, conduct thorough research to identify loan management opportunities, and select the most appropriate repayment plan or forgiveness program.

According to the survey, 26% of respondents noted that they did not have a plan for managing their student loans, while 20% indicated they planned to use Federal Income-Driven Repayment, and 15% intended to pursue the Public Service Loan Forgiveness (PSLF) program.

Confidence is another major concern, as 61% of borrowers surveyed reported a lack of confidence in their repayment strategies while only 13% reported feeling confident in their approach.

"This study confirms everything we believed to be true relating to confusion and lack of confidence student loan borrowers face today. Information overload and ambiguity has left borrowers yearning to understand the repayment and forgiveness options available to them, and to receive this information in a clear, concise manner," said Alyssa Schaefer, General Manager and Chief Experience Officer at Laurel Road. "Laurel Road is at the forefront of helping borrowers gain their confidence by offering free consultations with student loan experts who can help them make informed decisions, navigate the complexities of repayment, and build the confidence needed to reach their financial goals – ultimately securing their financial futures."

Impact of Student Loans on Financial Futures
In addition to being difficult to navigate, the student loan landscape has the potential to largely affect borrowers' overall financial well-being and long-term goals. The survey revealed that student loan debt has delayed significant life milestones for respondents, with borrowers reporting the following impacts:

• 79% struggle to save for emergencies or retirement
• 75% are unable to invest for the future
• 52% are unable to purchase a home
• 35% are postponing starting a family

"Luminary has seen first-hand the impact of student loan debt on our Members, from a lack of understanding about available options to the affect it has on an individual's mental health due to stress, worry and anxiety, " said Luminary founder and CEO Cate Luzio. "While this isn't new information for us, given our longstanding partnership with Laurel Road, we felt this survey was necessary to demonstrate the real toll it's taking on people. As we prepare for a new administration in 2025, this is top of mind as we continue developing programming to educate and inform those affected."

Delays in life milestones not only affect individual wellbeing but also pose broader risks to economic stability and financial security. Through online resources and student loan consultations, borrowers can gain confidence in understanding and tackling student loan repayment and get on track for important financial milestones.

For additional results from this survey, visit http://laurelroad.com/resources/financial-survey-student-debt-dilemma/ 

Methodology
This survey was conducted online from September 30, 2024, to October 31, 2024 among 1,714 U.S. adults with either private or federal student loans, by Luminary and the Kantar Profiles Respondent Hub. The primary age group analyzed ranged from 25–44 years old, though responses were collected from ages 18–65+. The gender breakdown of the respondents was 47% male, 51% female, 2% non-binary, and 0.4% preferring not to answer. Statistical significance testing was completed between groups to ensure the results did not occur by chance. 

About Laurel Road
Laurel Road is a digital banking platform and brand of KeyBank that provides tailored offerings to support the financial wellbeing of healthcare and business professionals. Laurel Road's banking and lending solutions – including Checking and High Yield Savings accounts, Student Loan Forgiveness Counseling, Student Loan Refinancing, Mortgages, Personal Loans, and more – provide our members with a simplified, personalized experience that helps them better navigate their financial journey with ease.

Laurel Road has reimagined banking and financial management for physicians and dentists through Laurel Road for Doctors, a tailored digital experience made up of banking, insights, and exclusive benefits to provide the financial help and peace of mind they need through each career stage. In spring of 2022, Laurel Road also launched Loyalty Checking, the first checking account designed with nurses in mind, furthering the company's commitment to healthcare professionals. Visit www.laurelroad.com for more information.

About Luminary
Luminary is a global membership-based professional education and networking platform created to address and impact the systemic challenges faced by women and underrepresented communities across all industries and sectors, and through all phases of their professional journey. Founded in 2018 by former finance executive Cate Luzio, Luminary is a dynamic, gender-inclusive, multi-generational, and intersectional community focused on creating connection, collaboration, and change through global expert- and Member-led programming, as well as services, activations, content, and culture. In addition, Members have access to perks and amenities including a vast digital content library; a five-floor building in the heart of NoMad in New York City that is home to work and social spaces, including a rooftop restaurant; and entree to Luminary's international Partner Network of women-forward communities. Luminary continues to build its ecosystem of high-touch engagement for both individual and enterprise members and has grown to be a multimillion-dollar global B2C and B2B business with more than 15,000 members and over 100 enterprise members. In late 2023, the company acquired The Cru to add to its robust product offering, and in January 2025 announced its acquisition of Hey Mama.

Media Contact: laurelroadpr@kwtglobal.com

Resources to Support Communities Impacted by Hurricanes Helene and Milton (US Department of Education)

Under President Biden’s and Vice President Harris’ direction, the Administration continues to mobilize a robust, intensive, and whole-of-government response to the impacts of Hurricane Helene. As life-saving response efforts continue in heavily impacted areas, the Administration is also working to ensure communities across the Southeast have prompt access to federal resources to purchase essential items and begin their road to recovery and rebuilding. 

Last week, the President and Vice President traveled throughout the region, meeting with community leaders and reaffirming that the Administration will be with impacted communities every step of the way, no matter how long it takes, with the support they need (President’s statement and White House fact sheets 1 and 2).

The Administration also pre-positioned additional personnel and resources to prepare for the impacts of Hurricane Milton (President’s remarks and White House fact sheets 1, 2, and 3).

The Department closely follows the impacts of natural disasters on students, educators, staff, families, and others. Schools are a critical aspect of whole community recovery and provide education, nutrition, physical fitness, mental health counseling, and other resources to students and their families during day-to-day operations. When schools close following a natural disaster, it is crucial that these resources remain available to the community and that schools are reopened and operating as soon as possible. In 2018, to better assist K-12 schools, the agency’s Office of Elementary and Secondary Education (OESE) formed a Disaster Recovery Unit (DRU). The agency’s Office of Postsecondary Education (OPE) and Federal Student Aid (FSA) office support postsecondary institutions.

In a press release and updated Homeroom blog, the Department curated resources, including several from other federal agencies and partner organizations, to restore the teaching and learning environment. Find more resources on the agency’s Natural Disaster Resources web page.

National Survey Finds Strong Faculty Support for Free Speech, Diverse Viewpoints, and Civil Discourse in the Classroom Amid an Alarming Decline in Academic Freedom (AAC&U)

Washington, DC—The American Association of Colleges and Universities (AAC&U) today released the results of a national survey of faculty perceptions and experiences related to academic freedom and civil discourse in higher education. Funded by the Arthur Vining Davis Foundations and conducted in partnership with the American Association of University Professors and NORC at the University of Chicago, the survey was administered online and included faculty of all ranks and disciplines at public and private, two-year and four-year institutions throughout the United States.

The survey found clear evidence that faculty value diverse student perspectives, encourage civil discourse among students, and support free speech in the classroom. Moreover, faculty see educational value in classroom discussions of controversial topics or issues and do not support censoring course materials. Overall, however, the survey results point to a recent and ongoing decline in academic freedom across American higher education—a decline perceived by more than a third of all faculty members across a wide variety of indicators.

Faculty today are concerned about growing restrictions on their academic freedom and worry that expressing their views freely may lead to online harassment or professional repercussions. In the current climate, faculty are less willing to address controversial topics and more likely to self-censor. The survey also found evidence of a chilling effect produced by the spread of legislative restrictions, enacted since 2021, on the teaching, learning, and discussion of so-called “divisive concepts” related to race, gender, LGBTQ+ identities, and American history.

“Without the academic freedom to explore significant and controversial questions, higher education’s mission of advancing knowledge and educating students for work, life, and citizenship cannot be fulfilled,” said AAC&U President Lynn Pasquerella. “The results of this national survey provide the most compelling evidence yet of the significant and alarming erosion of academic freedom across American higher education. The findings should serve as a wake-up call for campus leaders, policymakers, and anyone who understands the vital role higher education plays in improving the lives of individuals and communities, driving innovation and economic growth, and sustaining our democracy.”

Selected Findings

• More than 1 in 3 faculty say they have less academic freedom today when it comes to teaching content without any interference (35%), speaking freely as citizens (36%), and speaking freely when participating in institutional governance (38%).
• More than half (53%) are concerned about their ability to express what they believe as scholars to be correct statements about the world and worry that their beliefs or activities as faculty members may make them targets of online harassment.
• Significant percentages of faculty have faced restrictions on what they can say in faculty and department meetings (36%) or on social media (33%) and what they teach in their courses (24%).
• 52% of faculty have altered the language in something they have written in order to avoid controversy; most refrain from using terms or words they believe might be perceived as offensive by their students (62%), by administrators (57%), by other faculty members (57%), or by institutional staff (54%).
• 53% believe classroom discussion of controversial topics or issues should be encouraged and should occur frequently because of its educational value.
• 93% believe faculty should intentionally invite student perspectives from all sides of an issue.
• 57% encourage mutually respectful disagreement among the students in their courses either “quite a bit” or “a great deal,” and 70% believe that the amount of mutually respectful disagreement among their students is “about right.”
• Just 12% believe classroom discussions should be halted if views are expressed that some students feel causes harm to certain groups of people, and just 5% believe a required reading or other assignment should be dropped if it includes such views.

“Our hope is that this study inspires, in equal measure, both reflection and action across higher education,” said the report’s coauthor, Ashley Finley, Vice President for Research and Senior Advisor to the President at AAC&U. “Though colleges and universities may lack influence over legislative actions, there is much collective power in their ability to address faculty mental health, encourage respectful discourse within and beyond the classroom, and invite thoughtful debate about the meaning and applications of academic freedom within institutions.”

A full report on the findings is available for download at www.aacu.org/academicfreedom.

The survey was conducted online between December 7, 2023, and February 12, 2024, by NORC at the University of Chicago. The survey sample included 164,815 individuals who, during the preceding twelve-month period, had instructional duties and/or served in a faculty role at a two- or four-year public or private college or university in the United States.

The survey instrument was developed under the guidance of a national advisory group: Samuel Abrams, Sarah Lawrence College; Cory Clark, University of Pennsylvania; Jonathan Friedman, PEN America; Isaac Kamola, Trinity College; April Kelly, Elizabethtown College; Frederick Lawrence, Phi Beta Kappa; Kenann McKenzie-DeFranza, Gordon College; Demetri Morgan, Loyola University Chicago; and Andrew Seligsohn, Public Agenda.

About AAC&U

The American Association of Colleges and Universities (AAC&U) is a global membership organization dedicated to advancing the democratic purposes of higher education by promoting equity, innovation, and excellence in liberal education. Through our programs and events, publications and research, public advocacy, and campus-based projects, AAC&U serves as a catalyst and facilitator for innovations that improve educational quality and equity and that support the success of all students. In addition to accredited public and private, two-year and four-year colleges and universities, and state higher education systems and agencies throughout the United States, our membership includes degree-granting higher education institutions around the world as well as other organizations and individuals. To learn more, visit www.aacu.org.

Visual Documentation of the College Meltdown Needed

 

                                       

The Higher Education Inquirer is looking for images to document the College Meltdown which began in 2010.  

The US Department of Higher Education posts hundreds of campus closings each year.  Images of these closed schools can be used to document an important part of US higher education history.

Closed campuses vary in size, from high school classrooms, hotel conference rooms, and store fronts, to satellite and branch campuses, to small private colleges, and larger career colleges. Some schools have been repurposed, others demolished, and others remain in disrepair--as ruins--and relics of a more humane (or at least more human) past. 

                        

Over the last two decades, the University of Phoenix alone closed more than 500 campuses, many which were conveniently located near US interstate highways.  In 2025, UoPX will have just one campus, located in Phoenix, Arizona. 

In 2015, Corinthian Colleges and Le Cordon Bleu went out of business.  A year later ITT Tech closed all of its doors. The Art Institutes also closed dozens of campuses. In 2018, Virginia College campuses closed, and Kaplan Higher Education sold its remaining properties to Purdue University. Today, only a few Purdue University Global campuses remain.  DeVry University has closed many locations, but several ghost campuses, those with few if any students, remain. Ashford University became a fully online University of Arizona Global. 

In just a few decades, under the guise of creative disruption, brick and mortar colleges with skilled professors and staff have been replaced by large online robocolleges that hire few if any instructors and offer fewer student services, such as mental health counseling.  And community branch campuses have been replaced by online program managers (OPMs) that advertise, recruit, and even write curriculum for regional public universities and elite private colleges, often without the knowledge of the students/consumers.  

The US Department of Education's PEPS Closed School Monthly Report has been largely ignored by the media.  But as a historical document, the list is telling.  Since 1986, approximately 18,000 campus closings have been reported. The peak year for closings was 2016, when more than 1100 schools were reported as closed.  

 

 [Bay State College in Boston, Massachusetts, which has partially closed. BSC is owned by Ambow Education., which is in deep financial trouble]

How University of Phoenix Failed. It's a Long Story. But It's Important for the Future of Higher Education. 

Abandoned Long Island College Sits in Disrepair, And Community Says It's A Danger (Greg Cergol, NBC New York)

The Growth of "RoboColleges" and "Robostudents" 

 PEPS Closed School Monthly Report