End of an Era

We extend our deepest gratitude to the many courageous voices who have contributed to the Higher Education Inquirer over the years. Through research, reporting, whistleblowing, analysis, and public service, you have exposed inequities, challenged powerful interests, and helped the public understand the realities of higher education.

Special thanks to:
Bryan Alexander (Future Trends Forum), Lisa Bannon (Wall Street Journal), Joe Berry (Higher Education Labor United), Stephen Burd (New America), Ann Bowers (Debt Collective), James Michael Brodie (Black and Gold Project Foundation), Patrick Campbell (Vets Ed Brief), Kirk Carapezza (WGBH), Randall Collins (UPenn), G. William Domhoff (UC Santa Cruz), Ruxandra Dumitriu, Keil Dumsch, Garrett Fitzgerald (College Recon), Glen Ford (with the ancestors), Richard Fossey (Condemned to Debt), Erica Gallagher (2U Whistleblower), Cliff Gibson III (Gibson & Keith), Henry Giroux (McMaster University), Terri Givens (University of British Columbia), Luke Goldstein (The Lever),  Nathan Grawe (Carleton College), Michael Green (UNLV), Michael Hainline (Restore the GI Bill for Veterans), Debra Hale Shelton (Arkansas Times), Stephanie M. Hall (education writer),  David Halperin (Republic Report), Bill Harrington (Croatan Institute), Phil Hill (On EdTech), Robert Jensen (UT Austin), Seth Kahn (WCUP), Hank Kalet (Rutgers), Ben Kaufman (Protect Borrowers), Robert Kelchen (University of Tennessee), Neil Kraus (UWRF), LACCD Whistleblower, Michelle Lee (whistleblower), Wendy Lynne Lee (Bloomsburg University of PA), Emmanuel Legeard (whistleblower), Adam Looney (University of Utah), Alec MacGillis (ProPublica), Jon Marcus (Hechinger Report), Steven Mintz (University of Texas), John D. Murphy (Mission Forsaken), Annelise Orleck (Dartmouth), Margaret Kimberly (Black Agenda Report), Austin Longhorn (UT student loan debt whistleblower), Richard Pollock (journalist), Debbi Potts (whistleblower), Jack Metzger (Roosevelt University), Derek Newton (The Cheat Sheet), Chris Quintana (USA Today), Jennifer Reed (University of Akron), Kevin Richert (Idaho Education News), Gary Roth (Rutgers-Newark), Mark Salisbury (TuitionFit), Stephanie Saul (NY Times), Christopher Serbagi (Serbagi Law), Alex Shebanow  (Fail State), Bob Shireman (TCF), Bill Skimmyhorn (William & Mary), Peter Simi (Chapman University), Gary Stocker (College Viability), Strelnikov, Taylor Swaak (Chronicle of Higher Education), Theresa Sweet (Sweet v Cardona), Harry Targ (Purdue University), Moe Tkacik (American Prospect),  Mark Twain Jr. (business insider), Michael Vasquez (The Tributary), Marina Vujnovic (Monmouth), Richard Wolff (Economic Update), Helena Worthen (Higher Ed Labor United), DW (South American Correspondent), Heidi Weber (Whistleblower Revolution), government officials who have supported transparency and accountability, and the countless other educators, researchers, whistleblowers, advocates, and public servants whose work strengthens our understanding of higher education.

Together, you form a resilient network of knowledge, courage, and public service, showing that collective insight can illuminate even the most entrenched systems. Your dedication has been, and continues to be, invaluable.

Dahn Shaulis and Glen McGhee

Beyond the College Meltdown: Moral Decay, Dehumanization, and the Failure of Courage (Dahn Shaulis and Glen McGhee)

At Higher Education Inquirer, our focus on the college meltdown has always pointed beyond collapsing enrollments, rising tuition, and institutional dysfunction. Higher education has served as a warning signal — a visible manifestation of a far deeper crisis: the moral decay and dehumanization of society, compounded by a profound failure of courage among those with the greatest power and resources.

This concern predates the current moment. Through our earlier work at American Injustice, we chronicled how American institutions steadily abandoned ethical responsibility in favor of profit, prestige, and political convenience. What is happening in higher education today is not an anomaly. It is the predictable outcome of decades of moral retreat by elites who benefit from the system while refusing to challenge its injustices.

Permanent War and the Moral Abdication of Leadership

Wars in Gaza, Ukraine, and Venezuela reveal a world in which human suffering has been normalized and strategically managed rather than confronted. Civilian lives are reduced to abstractions, filtered through geopolitical narratives and sanitized media frames. What is most striking is not only the violence itself, but the ethical cowardice of leadership.

University presidents, policymakers in Washington, and financial and technological elites rarely speak with moral clarity about war and its human costs. Institutions that claim to value human life and critical inquiry remain silent, hedging statements to avoid donor backlash or political scrutiny. The result is not neutrality, but complicity — a tacit acceptance that power matters more than people.

Climate Collapse and the Silence of Those Who Know Better

Climate change represents an existential moral challenge, yet it has been met with astonishing timidity by those most capable of leading. Universities produce the research, model the risks, and educate the future — yet many remain financially entangled with fossil fuel interests and unwilling to confront the implications of their own findings.

Student demands for divestment and climate accountability are often treated as public-relations problems rather than ethical imperatives. University presidents issue vague commitments while continuing business as usual. In Washington, legislation stalls. On Wall Street, climate risk is managed as a portfolio concern rather than a human catastrophe. In Silicon Valley, technological “solutions” are offered in place of systemic change.

This is not ignorance. It is cowardice disguised as pragmatism.

The Suppression of Student Protest and the Fear of Moral Clarity

The moral vacuum at the top becomes most visible when students attempt to fill it. Historically, student movements have pushed institutions toward justice — against segregation, apartheid, and unjust wars. Today, however, student protest is increasingly criminalized.

Peaceful encampments are dismantled. Students are arrested or suspended. Faculty are intimidated. Surveillance tools track dissent. University leaders invoke “safety” and “order” while outsourcing enforcement to police and private security. The message is unmistakable: moral engagement is welcome only when it does not challenge power.

This is not leadership. It is risk aversion elevated to institutional doctrine.

Mass Surveillance and the Bureaucratization of Fear

The expansion of mass surveillance further reflects elite moral failure. From campuses to corporations, human beings are monitored, quantified, and managed. Surveillance is justified as efficiency or security, but its deeper function is control — discouraging dissent, creativity, and ethical risk-taking.

Leaders who claim to champion innovation quietly accept systems that undermine autonomy and erode trust. In higher education, surveillance replaces mentorship; compliance replaces curiosity. A culture of fear takes root where moral courage once should have flourished.

Inequality and the Insulation of Elites from Consequence

Extreme inequality enables this cowardice. Those at the top are shielded from the consequences of their decisions. University presidents collect compensation packages while adjuncts struggle to survive. Wall Street profits from instability it helps create. Silicon Valley builds tools that reshape society without accountability. Washington dithers while communities fracture.

When elites are insulated, ethical standards erode. Moral responsibility becomes optional — something to be invoked rhetorically but avoided in practice.

Social Media, AI, and the Automation of Moral Evasion

Social media and Artificial Intelligence accelerate dehumanization while providing cover for inaction. Platforms reward outrage without responsibility. Algorithms make decisions without accountability. Leaders defer to “systems” and “processes” rather than exercising judgment.

In higher education, AI threatens to further distance leaders from the human consequences of their choices — allowing automation to replace care, metrics to replace wisdom, and efficiency to replace ethics.

The Crisis Beneath the Crisis

The college meltdown is not simply a failure of policy or finance. It is a failure of moral leadership. Those with the most power — university presidents, elected officials, financiers, and technologists — have repeatedly chosen caution over conscience, reputation over responsibility, and silence over truth.

War without moral reckoning. Climate collapse without leadership. Protest without protection. Surveillance without consent. Inequality without accountability.

These are not accidents. They are the results of decisions made — and avoided — by people who know better.

Toward Moral Courage and Rehumanization

Rehumanization begins with courage. It requires leaders willing to risk prestige, funding, and influence in defense of human dignity. Higher education should be a site of ethical leadership, not an echo of elite fear.

This means defending student protest, confronting climate responsibility honestly, rejecting dehumanizing technologies, and placing human well-being above institutional self-preservation. It means leaders speaking plainly about injustice — even when it is inconvenient.

Our concern at Higher Education Inquirer — and long before that, at American Injustice — has always been this: What happens to a society when those with the greatest power lack the courage to use it ethically?

Until that question is confronted, the college meltdown will remain only one visible fracture in a far deeper moral collapse.

$8 Billion in Liberty University Debt: Engaging a Faith-Driven Constituency

More than 290,000 Liberty University borrowers owe over $8 billion in federal student loans, yet most remain politically disengaged. Many are veterans or enrolled in accelerated master’s programs often criticized as “robocolleges.” What sets this population apart is not just the size of their debt, but their faith and social conservatism—a demographic frequently overlooked by traditional student debt advocacy.

For unions and nonprofit organizations committed to civic engagement and economic justice, this represents a unique opportunity: mobilize borrowers in ways that align with their values, rather than against them. Messaging that highlights fairness, personal responsibility, and stewardship—core Christian principles—can resonate deeply while framing student debt as a challenge to both economic and moral accountability.

These borrowers are approaching peak voting age, meaning that engagement now could influence local and national politics in the coming election cycles. Institutions like the University of Phoenix show the scale of the opportunity: over one million borrowers owe more than $21 billion nationwide, suggesting that faith-aligned organizing strategies could have broad impact.

The strategy is clear: educate borrowers about their rights, expose predatory practices, and organize them into civic action, all while respecting their values and beliefs. Done thoughtfully, this approach can build trust and spur meaningful participation in democracy, turning a population long overlooked into an informed, motivated constituency.

The coming years will test whether unions and nonprofits seize this moment. Hundreds of thousands of conservative, Christian borrowers could become a powerful force for accountability and change—but only if engagement is value-driven, strategic, and timely.

---

Sources:

• Higher Education Inquirer, More than 290,000 Liberty University student loan debtors owe more than $8 Billion

• Higher Education Inquirer, Liberty University Targeting Vets for Robocollege Master's Degrees

• Higher Education Inquirer, New Data Show Nearly a Million University of Phoenix Debtors Owe $21.6 Billion Dollars

• Higher Education Inquirer, Fraud Claims Against University of Phoenix Continue to Grow

• U.S. Department of Education, Federal Student Aid Data Center

• National Center for Education Statistics (NCES), Integrated Postsecondary Education Data System (IPEDS)

Higher Education Inquirer Resources, Spring 2026

[Editor's note: Please let us know of any corrections, additions, or broken links.  We always welcome your feedback.]  

This list traces how U.S. higher education has been reshaped by neoliberal policies, privatization, and data-driven management, producing deepening inequalities across race and class. The works examine the rise of academic capitalism, growing student debt, corporatization, and the influence of private interests—from for-profit colleges to rankings and surveillance systems. Together, they depict a sector drifting away from its public mission and democratic ideals, while highlighting the structural forces that created today’s crises and the reforms needed to reverse them.

Ahn, Ilsup (2023). The Ethics of Educational Healthcare: Student Debt, Neoliberalism, and Justice. Palgrave Macmillan.
Alexander, Bryan (2020). Academia Next: The Futures of Higher Education. Johns Hopkins Press.
Alexander, Bryan (2023). Universities on Fire. Johns Hopkins Press.

Alexander, Bryan (2026). Peak Higher Ed. Johns Hopkins Press.

Angulo, A. (2016). Diploma Mills: How For-profit Colleges Stiffed Students, Taxpayers, and the American Dream. Johns Hopkins University Press.

Apthekar, Bettina (1966). Big Business and the American University. New Outlook Publishers.

Apthekar, Bettina (1969). Higher Education and the Student Rebellion in the United States, 1960–1969: A Bibliography.

Archibald, R. & Feldman, D. (2017). The Road Ahead for America's Colleges & Universities. Oxford University Press.

Armstrong, E. & Hamilton, L. (2015). Paying for the Party: How College Maintains Inequality. Harvard University Press.

Arum, R. & Roksa, J. (2011). Academically Adrift: Limited Learning on College Campuses. University of Chicago Press.

Baldwin, Davarian (2021). In the Shadow of the Ivory Tower: How Universities Are Plundering Our Cities. Bold Type Books.

Barr, Andrew & Turner, Sarah (2023). The Labor Market Returns to Higher Education. Oxford University Press.

Bennett, W. & Wilezol, D. (2013). Is College Worth It? Thomas Nelson.

Berg, I. (1970). The Great Training Robbery: Education and Jobs. Praeger.

Berman, Elizabeth P. (2012). Creating the Market University. Princeton University Press.

Berman, Elizabeth Popp & Stevens, Mitchell (eds.) (2019). The University Under Pressure. Emerald Publishing.

Berry, J. (2005). Reclaiming the Ivory Tower: Organizing Adjuncts to Change Higher Education. Monthly Review Press.

Berry, J. and Worthen, H. (2021). Power Despite Precarity: Strategies for the Contingent Faculty Movement in Higher Education. Pluto Books.

Best, J. & Best, E. (2014). The Student Loan Mess. Atkinson Family Foundation.

Bledstein, Burton J. (1976). The Culture of Professionalism. Norton.

Bogue, E. Grady & Aper, Jeffrey (2000). Exploring the Heritage of American Higher Education.

Bok, D. (2003). Universities in the Marketplace. Princeton University Press.

Bousquet, M. (2008). How the University Works. NYU Press.

Brennan, J. & Magness, P. (2019). Cracks in the Ivory Tower. Oxford University Press.

Brint, S. & Karabel, J. (1989). The Diverted Dream. Oxford University Press.

Burawoy, Michael & Mitchell, Katharyne (eds.) (2020). The University, Neoliberalism, and the Politics of Inequality. Routledge.

Burd, Stephen (2024). Lifting the Veil on Enrollment Management: How a Powerful Industry is Limiting Social Mobility in American Higher Education. Harvard Education Press

Cabrera, Nolan L. (2018). White Guys on Campus. Rutgers University Press.

Cabrera, Nolan L. (2024). Whiteness in the Ivory Tower. Teachers College Press.

Cantwell, Brendan & Robertson, Susan (eds.) (2021). Research Handbook on the Politics of Higher Education. Edward Elgar.

Caplan, B. (2018). The Case Against Education. Princeton University Press.

Cappelli, P. (2015). Will College Pay Off? Public Affairs.

Carney, Cary Michael (1999). Native American Higher Education in the United States. Transaction.

Cassuto, Leonard (2015). The Graduate School Mess. Harvard University Press.

Caterine, Christopher (2020). Leaving Academia. Princeton Press.

Childress, H. (2019). The Adjunct Underclass. University of Chicago Press.

Chomsky, Noam (2014). Masters of Mankind. Haymarket Books.

Choudaha, Rahul & de Wit, Hans (eds.) (2019). International Student Recruitment and Mobility. Routledge.

Cohen, Arthur M. (1998). The Shaping of American Higher Education. Jossey-Bass.

Collins, Randall (1979/2019). The Credential Society. Columbia University Press.

Cottom, Tressie McMillan (2016). Lower Ed.

Cottom, Tressie McMillan & Darity, William A. Jr. (eds.) (2018). For-Profit Universities. Routledge.

Domhoff, G. William (2021). Who Rules America? Routledge.

Donoghue, F. (2008). The Last Professors.

Dorn, Charles (2017). For the Common Good. Cornell University Press.

Eaton, Charlie (2022). Bankers in the Ivory Tower. University of Chicago Press.

Eisenmann, Linda (2006). Higher Education for Women in Postwar America. Johns Hopkins Press.

Espenshade, T. & Walton Radford, A. (2009). No Longer Separate, Not Yet Equal. Princeton University Press.

Faragher, John Mack & Howe, Florence (eds.) (1988). Women and Higher Education in American History. Norton.

Farber, Jerry (1972). The University of Tomorrowland. Pocket Books.

Freeman, Richard B. (1976). The Overeducated American. Academic Press.

Gaston, P. (2014). Higher Education Accreditation. Stylus.

Gildersleeve, Ryan Evely & Tierney, William (2017). The Contemporary Landscape of Higher Education. Routledge.

Ginsberg, B. (2013). The Fall of the Faculty. Oxford University Press.

Giroux, Henry (1983). Theory and Resistance in Education. Bergin and Garvey Press.

Giroux, Henry (2014). Neoliberalism’s War on Higher Education. Haymarket Books.

Giroux, Henry (2022). Pedagogy of Resistance. Bloomsbury Academic.

Gleason, Philip (1995). Contending with Modernity. Oxford University Press.

Golden, D. (2006). The Price of Admission.

Goldrick-Rab, S. (2016). Paying the Price.

Graeber, David (2018). Bullshit Jobs. Simon and Schuster.

Groeger, Cristina Viviana (2021). The Education Trap. Harvard Press.

Hamilton, Laura T. & Kelly Nielson (2021). Broke.

Hampel, Robert L. (2017). Fast and Curious. Rowman & Littlefield.

Hirschman, Daniel & Berman, Elizabeth Popp (eds.) (2021). The Sociology of Higher Education.

Johnson, B. et al. (2003). Steal This University.

Kamenetz, Anya (2006). Generation Debt. Riverhead.

Keats, John (1965). The Sheepskin Psychosis. Lippincott.

Kelchen, Robert (2018). Higher Education Accountability. Johns Hopkins University Press.

Kezar, A., DePaola, T., & Scott, D. (2019). The Gig Academy. Johns Hopkins Press.

Kinser, K. (2006). From Main Street to Wall Street.

Kozol, Jonathan (1992). Savage Inequalities. Harper Perennial.

Kozol, Jonathan (2006). The Shame of the Nation. Crown.

Kraus, Neil (2023). The Fantasy Economy: Neoliberalism, Inequality, and the Education Reform Movement. Temple University Press, 2023.

Labaree, David (1997). How to Succeed in School Without Really Learning. Yale University Press.

Labaree, David F. (2017). A Perfect Mess. University of Chicago Press.

Lafer, Gordon (2004). The Job Training Charade. Cornell University Press.

Loehen, James (1995). Lies My Teacher Told Me. The New Press.

Lohse, Andrew (2014). Confessions of an Ivy League Frat Boy. Thomas Dunne Books.

Lucas, C.J. (1994). American Higher Education: A History.

Lukianoff, Greg & Haidt, Jonathan (2018). The Coddling of the American Mind. Penguin Press.

Maire, Quentin (2021). Credential Market. Springer.

Mandery, Evan (2022). Poison Ivy. New Press.

Marginson, Simon (2016). The Dream Is Over. University of California Press.

Marti, Eduardo (2016). America's Broken Promise. Excelsior College Press.

Mettler, Suzanne (2014). Degrees of Inequality. Basic Books.

Morris, Dan & Targ, Harry (2023). From Upton Sinclair's 'Goose Step' to the Neoliberal University.

Newfeld, C. (2011). Unmaking the Public University.

Newfeld, C. (2016). The Great Mistake.

Newfield, Christopher (2023). Metrics-Driven. Johns Hopkins Press.

O’Neil, Cathy (2016). Weapons of Math Destruction. Crown.

Palfrey, John (2020). Safe Spaces, Brave Spaces. MIT Press.

Paulsen, M. & Smart, J.C. (2001). The Finance of Higher Education. Agathon Press.

Piketty, Thomas (2020). Capital and Ideology. Harvard University Press.

Reynolds, G. (2012). The Higher Education Bubble. Encounter Books.

Rojstaczer, Stuart (1999). Gone for Good. Oxford University Press.

Rosen, A.S. (2011). Change.edu. Kaplan Publishing.

Roth, G. (2019). The Educated Underclass. Pluto Press.

Ruben, Julie (1996). The Making of the Modern University. University of Chicago Press.

Rudolph, F. (1991). The American College and University.

Rushdoony, R. (1972). The Messianic Character of American Education. The Craig Press.

Schrecker, Ellen (2010). The Lost Soul of Higher Education: New Press.

Selingo, J. (2013). College Unbound.

Shelton, Jon (2023). The Education Myth. Cornell University Press.

Simpson, Christopher (1999). Universities and Empire. New Press.

Sinclair, U. (1923). The Goose-Step.

Slaughter, Sheila & Rhoades, Gary (2004). Academic Capitalism and the New Economy. Johns Hopkins University Press.

Smyth, John (2017). The Toxic University. Palgrave Macmillan.

Sperber, Murray (2000). Beer and Circus. Holt.

Stein, Sharon (2022). Unsettling the University. Johns Hopkins Press.

Stevens, Mitchell L. (2009). Creating a Class. Harvard University Press.

Stodghill, R. (2015). Where Everybody Looks Like Me.

Tamanaha, B. (2012). Failing Law Schools. University of Chicago Press.

Tatum, Beverly (1997). Why Are All the Black Kids Sitting Together in the Cafeteria? Basic Books.

Taylor, Barret J. & Cantwell, Brendan (2019). Unequal Higher Education. Rutgers University Press.

Thelin, John R. (2019). A History of American Higher Education. Johns Hopkins Press.

Tolley, K. (2018). Professors in the Gig Economy. Johns Hopkins University Press.

Trow, Martin (1973). Problems in the Transition from Elite to Mass Higher Education. Carnegie Commission on Higher Education. 

Twitchell, James B. (2005). Branded Nation. Simon and Schuster.

Vedder, R. (2004). Going Broke By Degree.

Veysey, Lawrence R. (1965). The Emergence of the American University.

Washburn, J. (2006). University Inc.

Washington, Harriet A. (2008). Medical Apartheid. Anchor.

Whitman, David (2021). The Profits of Failure. Cypress House.

Wilder, C.D. (2013). Ebony and Ivy.

Winks, Robin (1996). Cloak and Gown. Yale University Press.

Woodson, Carter D. (1933). The Mis-Education of the Negro.

Zaloom, Caitlin (2019). Indebted. Princeton University Press.

Zemsky, Robert, Shaman, Susan & Baldridge, Susan Campbell (2020). The College Stress Test. Johns Hopkins University Press.

Zuboff, Shoshana (2019). The Age of Surveillance Capitalism. PublicAffairs. 

Activists, Coalitions, Innovators, and Alternative Voices

• Academe Blog
• Adjunct Crisis
• Adjunct Nation
• American Federation of Teachers Adjunct-Contingent Faculty Caucus
• American Scholar
• Bryan Alexander (Futurist)
• Campus News (New York)
• Clery Center
• Coalition of Contingent Academic Labor
• College Futures Foundation (California, K-20)
• College is a Risky Business (Thomas B. Walsh)
• College Promise (Free Community College)
• College Tuition Advisory Services (CTAS)
• College Viability App (Gary Stocker)
• Con Job: Stories of Adjunct and Contingent Faculty
• Confessions of a College Professor (Professor Doom)
• Debt Collective
• Deep Thoughts on Higher Education (Jeff Doyle) 
• Diane Ravitch (K-12)
• EdTrust
  
• Higher Ed Not Debt
• Higher Education Labor United  
  
• Higher Education Strategy Associates
• I Am Ai
• ITT Tech Warriors
• Jim Wolfston and the Social Mobility Index (CollegeNet)
  
• Jonathan Kozol (K-12)
• Kelchen on Education
  
• National Consumer Law Center
• New Faculty Majority (Adjuncts)
• New Laws For America (Bob Hertz)
• Outside the Law School Scam
• Presidents Alliance on Higher Education and Immigration 
• Project on Predatory Student Lending
  
• Randall Collins (Credentialism and Credential Inflation)
• Remaking the University
• Republic Report (David Halperin)
• Saving For College (Mark Kantrowtitz)
• SEIU Faculty Forward (Adjuncts)
• Steve Foerster (Technologist and Educator)
• Strike Debt Portland
• Student Borrower Protection Center
• Student Debt Crisis
• Student Loan Justice
• Terri Givens (Radical Empathy)
• The Best Classroom is the Struggle (Joshua Sooter) 
• TuitionFit (Mark Salisbury)
• Whistleblower Revolution (Heidi Weber)
• Workplace: A Journal for Academic Labor
• Wrench in the Gears: A Skeptical Parent's Thoughts on Digital Curriculum (K-12)

 College Choice and Career Planning Tools

• Modern States (free college credits)
  
• College Promise
• TuitionFit 
• College Viability App
• College Scorecard (NCES) 
• Washington Monthly College Rankings 
• Apprenticeship Finder (US Department of Labor)
• FinAid
• College Navigator (NCES)
• Best Value Colleges (PayScale)  
• Hechinger Report College Fitness Tracker
  
• NBC News Investigation: Certificate schools are leaving many students in debt and unable to find jobs
• 2/3s of US Employees Regret Their College Degrees (CBS News)
• The Future of Work Won't Be About College Degrees (CNBC, Stepane Kasriel)
• Student Loan Meltdown (Dave Ramsey)
• Permanent Underemployment for College Grads (Burning Glass Technologies)
• College Is A Risky Proposition For The Working Class (Jon Marcus, Hechinger Report)
• Apprenticeships are a trending alternative to college — but there’s a hitch (Jon Marcus, Hechinger Report) 
• 15 Things College Doesn't Teach You
• Best Colleges for Social Mobility (CollegeNet)
• The Case Against Higher Education (Bryan Caplan)
• College May Not Pay Off For Everyone (Liberty Street Economics/NY FED)
• Online Education Has Questionable Outcomes (IHE)
• Colleges Where Most Students Borrow and Few Repay (TICAS)
• Broke, Busted, and Disgusted Trailer (Student Loan Debt)
• The Confusing Information Colleges Provide Students About Financial Aid (The Atlantic)
• College Affordability and Transparency Center (ED)
• Public College Dropout Factories (Third Way)
• Outcomes By Major (NY FED)
• Third Way
• GI Bill Comparison Tool (VA)
• 8 Tips to Help Vets Pick the Right College (Military Times)
• Warrior Scholar (For Veterans)
• Service to School (For Veterans)
• Peer Advisors for Veteran Education (PAVE)

Innovation and Reform

• Faculty Focus
  
• Strategies for Improving Student Success (Inside Higher Education)
• CUNY ASAP 
  
• Gap Year Basics (NYU)
• Union Plus Free College 
  
• Maryland Student Loan Debt Relief Tax Credit
• Canceling Student Loan Debt Would Grow Economy and Add Jobs (Levy Institute)
• Beyond Tuition: Promises for Affordability, Quality, and Accountability in Higher Education (Center for American Progress)
• Georgia State Turnaround (CHE)
• Spelman Health Initiative (IHE)
• University of Kansas: BA In Three Years
• Shady Grove: Nine Campuses in One (WAPO)  
  

Higher Education Policy

• Veterans’ Education Advocates Celebrate Closure of the 90/10 Loophole
• College Transparency Act (Senate Bill 800)
• Dropping Gainful Employment Rules Gives Billions to Subprime Colleges (Inside Higher Education)
• ED Announces Steps to Hold Institutions Accountable for Taxpayer Losses
• FTC Head Says Supreme Court Ruling Puts More Than $2 Billion for Cheated Consumers at Risk (Brent Kendall, WSJ)
• GAO Report Regarding Online Program Managers
• How to Stop Sudden College Closures (Century Foundation)
• Improving Outcomes Data for Online Programs (Robert Kelchen, Inside Higher Education)
• Spelman College Replaces NCAA Sports with Wellness Programs
• Strengthening Rural Anchor Institutions: Federal Policy Solutions for Rural Public Colleges and the Communities They Serve (Alliance for Research on Regional Colleges)
• The Distributional Effects of Student Loan Forgiveness (BFI Working Paper, Sylvain Catherine and Constantine Yannelis)
• The for-profit college system is broken and the Biden administration needs to fix it (Brookings)
• The Impact of a National Program of Free Tuition at Public Community Colleges and Free Tuition for Most Students at Public Four-Year Colleges and Universities on College Enrollments, Graduations, and the Economy (Robert Shapiro and Isaac Yoder)
• Three Things Policymakers Can Do to Protect Online Students (Century Foundation)  
  

Data Sources

• American Association of Colleges and Universities  
  
• American Association of State Colleges and Universities
• American Indian Higher Education Consortium
• Academic Labor Force Trends (AAUP)
• Century Foundation 
  
• Closed Schools Report (US Department of Education)
• College Closing Projections (EY)
• College Costs Increasing Over Time (College Board)
• College Debt Inhibits Home Buying (CNBC)
• Complete College America
  
• Debt by Degrees (Pro Publica)
• Department of Defense
• Education Statistics by Institution
• Enrollment Numbers 
• Excelencia in Education
• Foundation for Research on Equal Opportunity
  
• Growing Inland Achievement 
• Hechinger Report
• Heightened Cash Monitoring
• Long-term Student Loan Default Rates
• Lumina Foundation 
  
• National Association of College and University Business Officers (NACUBO)
• National Assessment of Educational Progress
  
• National Association of Student Financial Aid Administrators (NASFAA)
• National Center for Education Statistics
• NCES Blog
  
• National Student Clearinghouse 
• Predicting College Closures and Financial Distress (Philadelphia Federal Reserve)
  
• School Counselor Numbers (ASCA)
• Scientists Leaving Academia in Droves
• Starving the Beast: The Battle to Disrupt and Reform America’s Public Universities
• State by State College Debt (TICAS)
• Student Loan Debt By State (Urban Institute)
• Student Loan Debt Clock
• Student Loan Debt Inhibits Home Buying (CNBC)
• Student Loan Default Projections (Brookings)
• Subprime Colleges (David Halperin)
• The 74: America's Education News Source
  
• Third Way Reports
• Tracking College Closures (Hechinger Report) 
  
• Transfer Credit Problems (GAO)
• United Negro College Fund
  
• University Business Officers Reports
• US Financial Aid (2024 Annual Report) 
  
• Veterans Affairs (GI Bill)

Trade publications

• Chronicle of Higher Education
• Diverse Issues in Higher Education 
• EdSurge
  
• Higher Ed Dive
• Inside Higher Ed

The Poisoning of the American Mind

For more than a decade, Americans have been told that polarization, mistrust, and civic fragmentation are organic byproducts of cultural change. But the scale, speed, and persistence of the damage suggest something more deliberate: a sustained poisoning of the American mind—one that exploits structural weaknesses in education, media, technology, and governance.

This poisoning is not the work of a single actor. It is the cumulative result of foreign influence campaigns, profit-driven global technology platforms, and domestic institutions that have failed to defend democratic literacy. Higher education, once imagined as a firewall against mass manipulation, has proven porous, compromised, and in many cases complicit.

Foreign Influence as Cognitive Warfare

Chinese and Russian influence operations differ in style but converge in purpose: weakening American social cohesion, degrading trust in institutions, and normalizing cynicism.

Russian efforts have focused on chaos. Through state-linked troll farms, bot networks, and disinformation pipelines, Russian actors have amplified racial grievances, cultural resentments, and political extremism on all sides. The objective has not been persuasion so much as exhaustion—flooding the information environment until truth becomes indistinguishable from propaganda and democratic participation feels futile.

Chinese influence efforts, by contrast, have emphasized discipline and control. Through economic leverage, academic partnerships, Confucius Institutes, and pressure campaigns targeting universities and publishers, the Chinese Communist Party has sought to shape what can be discussed, researched, or criticized. While less visibly inflammatory than Russian disinformation, these efforts quietly narrow the boundaries of acceptable discourse—especially within elite institutions that prize funding and global prestige.

Both strategies treat cognition itself as a battlefield. The target is not simply voters, but students, scholars, journalists, and future professionals—anyone involved in shaping narratives or knowledge.

The Role of Global Tech Elites

Foreign influence campaigns would be far less effective without the infrastructure built and defended by global technology elites.

Social media platforms were designed to monetize attention, not to preserve truth. Algorithms reward outrage, tribalism, and repetition. Misinformation is not an accidental byproduct of these systems; it is a predictable outcome of engagement-driven design.

What is often overlooked is how insulated tech leadership has become from the social consequences of its products. Executives who speak fluently about “free expression” and “innovation” operate within gated communities, private schools, and curated information environments. The cognitive pollution affecting the public rarely touches them directly.

At the same time, these platforms have shown inconsistent willingness to confront state-sponsored manipulation. Decisions about content moderation, data access, and platform governance are routinely shaped by geopolitical calculations and market access—particularly when China is involved. The result is a global information ecosystem optimized for profit, vulnerable to manipulation, and hostile to slow, evidence-based thinking.

Higher Education’s Failure of Defense

Universities were supposed to be inoculation centers against mass manipulation. Instead, they have become transmission vectors.

Decades of underfunding public higher education, adjunctification of faculty labor, and administrative bloat have weakened academic independence. Meanwhile, elite institutions increasingly depend on foreign students, donors, and partnerships, creating subtle but powerful incentives to avoid controversy.

Critical thinking is often reduced to branding rather than practice. Students are encouraged to adopt identities and positions rather than interrogate evidence. Media literacy programs, where they exist at all, are thin, optional, and disconnected from the realities of algorithmic persuasion.

Even worse, student debt has turned higher education into a high-stakes compliance system. Indebted graduates are less likely to challenge employers, institutions, or dominant narratives. Economic precarity becomes cognitive precarity.

A Domestic Willingness to Be Deceived

Foreign adversaries and tech elites exploit vulnerabilities, but they did not create them alone. The poisoning of the American mind has been enabled by domestic actors who benefit from confusion, resentment, and distraction.

Political consultants, partisan media ecosystems, and privatized education interests profit from outrage and ignorance. Complex structural problems—healthcare, housing, inequality, climate—are reframed as cultural battles, keeping attention away from systems of power and extraction.

In this environment, truth becomes negotiable, expertise becomes suspect, and education becomes a consumer product rather than a public good.

The Long-Term Consequences

The danger is not simply misinformation. It is the erosion of shared reality.

A society that cannot agree on basic facts cannot govern itself. A population trained to react rather than reflect is easy to manipulate—by foreign states, domestic demagogues, or algorithmic systems optimized for profit.

Higher education sits at the center of this crisis. If universities cannot reclaim their role as defenders of intellectual rigor and civic responsibility, they risk becoming credential factories feeding a cognitively compromised workforce.

Toward Intellectual Self-Defense

Reversing the poisoning of the American mind will require more than fact-checking or content moderation. It demands structural change:

A recommitment to public higher education as a democratic institution, not a revenue stream.
Robust media literacy embedded across curricula, not siloed in electives.
Transparency and accountability for technology platforms that shape public cognition.
Protection of academic freedom from both foreign pressure and domestic political interference.
Relief from student debt as a prerequisite for intellectual independence.

Cognitive sovereignty is national security. Without it, no amount of military or economic power can sustain a democratic society.

The question is not whether the American mind has been poisoned. The question is whether the institutions charged with educating it are willing to admit their failure—and do the hard work of recovery.

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Sources

U.S. Senate Select Committee on Intelligence, reports on Russian active measures
National Intelligence Council, foreign influence assessments
Department of Justice investigations into Confucius Institutes
Shoshana Zuboff, The Age of Surveillance Capitalism
Renée DiResta et al., research on computational propaganda
Higher Education Inquirer reporting on student debt, academic labor, and institutional capture

Artificial Intelligence, Mass Surveillance, and the Quiet Reengineering of Higher Education

The Higher Education Inquirer has approached artificial intelligence not as a speculative future but as a present reality already reshaping higher education. Long before university leaders and consultants embraced Artificial Intelligence (AI) as an abstract promise, HEI was using these tools directly while documenting how they were being embedded into academic institutions. What has become increasingly clear is that AI is not merely an educational technology. It is a structural force accelerating corporatization, automation, and mass surveillance within higher education.

Artificial intelligence enters the university through the language of efficiency and personalization. Administrators speak of innovation, student success, and institutional competitiveness. Yet beneath this language lies a deeper transformation. Teaching, advising, grading, counseling, and evaluation are increasingly reduced to measurable functions rather than human relationships. Once learning is fragmented into functions, it becomes easily automated, monitored, outsourced, and scaled.

This shift has long been visible in for-profit and online institutions, where scripted instruction, learning management systems, predictive analytics, and automated advising have replaced meaningful faculty engagement. What is new is that nonprofit and elite universities are now adopting similar systems, enhanced by powerful AI tools and vast data collection infrastructures. The result is the emergence of the robocollege, an institution optimized for credential production, labor reduction, and data extraction rather than intellectual growth.

Students are told that AI-driven education will prepare them for the future economy. In reality, many are being trained for an economy defined by automation, precarity, and diminished human agency. Rather than empowering students to challenge technological power, institutions increasingly socialize them to adapt to it. Compliance, constant assessment, and algorithmic feedback replace intellectual risk-taking and critical inquiry.

These developments reinforce and intensify inequality. Working-class students, student loan debtors, and marginalized populations are disproportionately enrolled in institutions where AI-mediated education and automated oversight are most aggressively deployed. Meanwhile, elite students continue to receive human mentorship, small seminars, and insulation from constant monitoring. Artificial intelligence thus deepens a two-tier system of higher education, one human and one surveilled.

Mass surveillance is no longer peripheral to higher education. It is central to how AI operates on campus. Predictive analytics flag students as “at risk” before they fail, often without transparency or consent. Proctoring software monitors faces, eye movements, living spaces, and biometric data. Engagement dashboards track clicks, keystrokes, time spent on screens, and behavioral patterns. These systems claim to support learning while normalizing constant observation.

Students are increasingly treated as data subjects rather than citizens in a learning community. Faculty are pressured to comply with opaque systems they did not design and cannot audit. The data harvested through these platforms flows upward to administrators, vendors, private equity-backed education companies, and, in some cases, government and security-linked entities. Higher education becomes a testing ground for surveillance technologies later deployed across workplaces and society at large.

At the top of the academic hierarchy, a small group of elite universities dominates global AI research. These institutions maintain close relationships with Big Tech firms, defense contractors, and venture capital interests. They shape not only innovation but ideology, presenting AI development as inevitable and benevolent while supplying talent and legitimacy to systems of automation, surveillance, and control. Ethics initiatives and AI principles proliferate even as accountability remains elusive.

Cultural warnings about technological obsolescence no longer feel theoretical. Faculty are told to adapt or be replaced by automated systems. Students are told to compete with algorithms while being monitored by them. Administrators frame automation and surveillance as unavoidable. What is absent from these conversations is moral courage. Higher education rarely asks whether it should participate in building systems that render human judgment, privacy, and dignity increasingly expendable.

Artificial intelligence does not have to dehumanize higher education, but resisting that outcome requires choices institutions have largely avoided. It requires valuing human labor over scalability, privacy over control, and education as a public good rather than a data pipeline. It requires democratic governance instead of technocratic management and surveillance by default.

For years, the Higher Education Inquirer has examined artificial intelligence not as a neutral tool or a distant threat, but as a technology shaped by power, profit, and institutional priorities. The future of higher education is not being determined by machines alone. It is being determined by decisions made by university leaders, technology firms, and policymakers who choose surveillance and efficiency over humanity.

The question is no longer whether AI will reshape higher education.
The question is whether higher education will resist becoming a fully surveilled system that trains students to accept a monitored, automated, and diminished future.

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Sources

Higher Education Inquirer, Robocolleges, Artificial Intelligence, and the Dehumanization of Higher Education

Higher Education Inquirer, AI-Robot Capitalists Will Destroy the Human Economy (Randall Collins)

Higher Education Inquirer, University of Phoenix: Training Folks for Robowork

Higher Education Inquirer, “The Obsolete Man”: A Twilight Zone Warning for the Trump Era and the Age of AI

Higher Education Inquirer, Stanford, Princeton, and MIT Among Top U.S. Universities Driving Global AI Research (Studocu)

Higher Education Inquirer, Tech Titans, Ideologues, and the Future of American Higher Education — 2026 Update

Forecasting the U.S. College Meltdown: How Higher Education Inquirer’s 2016 Warnings Played Out, 2016–2025 (Glen McGhee)

In December 2016, the Higher Education Inquirer published a set of 18 predictions warning of an ongoing “U.S. College Meltdown.” At the time, these warnings ran counter to the dominant narrative promoted by university leaders, accreditation agencies, Wall Street analysts, and much of the higher education press. College, readers were assured, remained a sound investment. Institutional risks were described as isolated, manageable, or limited to a small number of poorly run schools.

Nearly nine years later, that confidence has collapsed.

A comprehensive review of publicly available data, investigative journalism, court records, and government reports shows that 17 of the Higher Education Inquirer’s 18 predictions—94.4 percent—have been fully or partially confirmed. What was once framed as speculation now reads as an early diagnosis of a system already in advanced decline.

This article is not a victory lap. It is an accounting—of warnings ignored, of structural failures compounded, and of a higher education system reshaped less by learning than by debt, austerity, and financial engineering.

The Growth of Student Debt

In 2016, total student loan debt stood at approximately $1.4 trillion. By 2025, it had surpassed $1.8 trillion, despite repeated claims that the crisis was stabilizing. Millions of borrowers cycled in and out of forbearance, delinquency, and default, often unaware of the long-term consequences of capitalization, interest accrual, and damaged credit.

Temporary relief programs—pandemic pauses, income-driven repayment plans, and selective forgiveness—offered short-term breathing room while failing to address the underlying cost structure of higher education. Legal challenges and administrative reversals further destabilized borrower expectations, reinforcing the sense that student debt had become a permanent feature of American life rather than a transitional burden.

The Higher Education Inquirer warned in 2016 that student loans would increasingly function as a disciplinary mechanism, constraining career choice, delaying family formation, and suppressing economic mobility. That warning has proven prescient.

Graduate Underemployment and the Erosion of the Degree Premium

Another core prediction concerned the labor market. While headline unemployment numbers often appeared strong, the quality of employment deteriorated. By the early 2020s, a majority of recent four-year college graduates were underemployed—working in jobs that did not require a degree or offered limited advancement.

Wages stagnated even as credential requirements rose. Employers demanded more education for the same roles, while offering less stability in return. The result was a generation of graduates caught between rising expectations and diminishing returns.

This shift exposed a contradiction at the heart of the modern university: institutions continued to market degrees as pathways to prosperity, even as internal data increasingly showed that outcomes varied dramatically by institution, major, race, and class.

Enrollment Decline and the Demographic Cliff

The enrollment downturn predicted in 2016 arrived in waves. First came post–Great Recession skepticism. Then demographic decline reduced the number of traditional college-age students. Finally, the pandemic accelerated distrust, remote learning fatigue, and financial strain.

By the mid-2020s, enrollment losses were no longer cyclical. They were structural.

Colleges responded not by rethinking pricing or mission, but by cutting costs. Programs were eliminated, faculty positions left unfilled, and student services hollowed out. In rural and working-class regions, entire communities lost anchor institutions that had served as employers, cultural centers, and pathways to upward mobility.

Institutional Debt, Financialization, and Risk Shifting

One of the most underreported developments has been the rise of institutional debt. Facing declining tuition revenue, many colleges turned to bond markets to finance operations, capital projects, or refinancing. This strategy delayed collapse but increased long-term vulnerability.

The Higher Education Inquirer warned that debt-financed survival strategies would transfer risk downward—onto students through higher tuition, onto staff through layoffs, and onto local governments when institutions failed. That pattern has repeated itself across the country.

Meanwhile, elite universities with massive endowments continued to expand, insulate themselves from risk, and benefit from tax advantages unavailable to less wealthy institutions.

Closures, Mergers, and Asset Stripping

Since 2016, well over one hundred colleges have closed, merged, or been absorbed. Many closures were preceded by years of warning signs: declining enrollment, deferred maintenance, accreditation scrutiny, and emergency fundraising campaigns.

In some cases, institutions sold land, buildings, or entire campuses to survive. In others, boards pursued mergers that preserved branding while eliminating local governance and jobs.

These were not isolated failures. They were the predictable outcome of a system that prioritized growth, prestige, and financial metrics over resilience and public accountability.

The Limits of Reform and the Failure of Oversight

Perhaps the most sobering confirmation of the 2016 analysis is not any single data point, but the broader failure of reform. Despite abundant evidence of harm, regulatory responses remained fragmented and reactive. Accreditation agencies rarely intervened early. Federal enforcement was inconsistent. Media coverage often framed crises as unfortunate anomalies rather than systemic outcomes.

The Higher Education Inquirer argued in 2016 that the greatest risk was not collapse itself, but normalization—the slow acceptance of dysfunction as inevitable. That normalization is now visible in policy debates that treat mass underemployment, lifelong debt, and institutional instability as the cost of doing business.

A Crisis Foretold

The U.S. college meltdown did not arrive as a single dramatic event. It unfolded slowly, unevenly, and predictably—through spreadsheets, bond prospectuses, enrollment dashboards, and borrower accounts.

The accuracy of these forecasts underscores a deeper truth: the crisis was foreseeable. It was documented. It was warned about. What was missing was the willingness to act.

The Higher Education Inquirer published its predictions in 2016 not to provoke fear, but to provoke accountability. Nine years later, the record is clear. The meltdown was not an accident. It was a choice—made repeatedly, by institutions and policymakers who believed the system could absorb unlimited strain.

It could not.

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Sources
LendingTree; EducationData; Inside Higher Ed; Higher Ed Dive; Forbes; NPR; Brookings Institution; National Bureau of Economic Research (NBER)

College Meltdown 2026 (Glen McGhee)

As the United States moves deeper into the 2020s, the College Meltdown is no longer a speculative concept but a structural reality. The crisis touches nearly every part of the system: enrollment, finances, labor, governance, and the perceived value of a college degree itself. The forces fueling this meltdown are not sudden shocks but accumulated pressures — demographic contraction, policy failures, privatization schemes, student debt burdens, and decades of mission drift — that now converge in 2026 with unprecedented intensity.

The Waning of College Mania

For decades, higher education sold an uncomplicated dream: go to college, get ahead, and move securely into the middle class. This college mania was promoted by policymakers, corporate interests, university marketers, and a compliant media ecosystem. But the spell is breaking. Students at elite universities are skipping classes, disillusioned not only by campus turmoil but by the reality that a degree, even from a prestigious institution, no longer guarantees a stable future. Employers increasingly question the value of credentials that have become inflated, inconsistent, and disconnected from workplace needs.

Yet paradoxically, many jobs still require degrees — not because the work demands them, but because credentialing has become a screening mechanism. The U.S. has built a system in which people must spend tens of thousands of dollars for access to a job that may not even require the knowledge their degree supposedly certifies. This contradiction lies at the heart of the meltdown.

Moody’s Confirms the Meltdown: A Negative Outlook for 2026

The financial rot is now too deep to ignore. Moody’s Investors Service recently issued a negative outlook for all of U.S. higher education for FY2026, confirming what researchers, debtors, and frontline faculty have been warning for years. Demographic decline continues to shrink the pool of traditional college-age students, leaving hundreds of institutions with no plausible path to enrollment stability.

Moody’s expects expenses to grow 4.4% in 2026, while revenues will grow only 3.5% — and for small tuition-dependent institutions, revenue growth may fall to 2.5–2.7%. In other words, the business model simply no longer works. Institutions are already turning to hiring freezes, early retirements, shared services, layoffs, and mergers. These austerity strategies hit labor and students hardest while preserving administrative bloat at the top, mirroring broader patterns of inequality across the U.S. economy.

Compounding the problem, federal loan reforms — particularly the elimination or capping of Grad PLUS loans — threaten universities that rely on overpriced master’s programs as revenue engines. Many of these programs were built during the boom years as financial lifelines, not academic commitments. The bottom is falling out of that model too.

[Image: HEI's baseline model shows steady losses between 2026 and 2036. And it could get much worse].  

White-Collar Unemployment and the Broken Value Proposition

A new generation is confronting economic realities that undermine the old promise of higher education. Recent data show that college graduates now make up roughly 25% of all unemployed Americans, a startling indicator of white-collar contraction. The unemployment rate for bachelor’s degree holders rose to 2.8%, up half a point in a year.

If higher education was once treated as an automatic economic escalator, it is now a much riskier gamble — often with a lifetime of debt attached.

Demographic Collapse and Institutional Failures

The so-called “demographic cliff” is no longer a future event; colleges in the Midwest, Northeast, and South are already competing for shrinking numbers of high-school graduates. Some institutions have resorted to predatory recruitment, deceptive marketing, and desperate discounting — the same tactics that fueled the for-profit college boom and collapse.

Meanwhile, the FAFSA disaster, mismanagement at the Department of Education, and the chaos surrounding federal financial aid verification have caused enrollment delays and intensified uncertainty. Institutions like Phoenix Education Partners (PXED) are already trying to shift blame for their own recruitment failures and history of fraud onto the federal government, signaling a new round of accountability evasion reminiscent of the Corinthian Colleges and ITT Tech eras.

Student Debt, Inequality, and Loss of Legitimacy

Student debt remains above $1.7 trillion, reshaping the life trajectories of millions and reinforcing racial and class disparities. Black borrowers, first-generation students, and low-income communities bear the heaviest burdens. Many institutions — especially elite medical centers and flagship universities — are simultaneously cash-rich and inequality-producing, perpetuating the dual structure of American higher education: privilege for the few, precarity for the many.

Faculty and staff face their own meltdown. Contingent labor now constitutes the majority of the instructional workforce, while administrators grow more numerous and more insulated from accountability. Shared governance is weakened, academic freedom is eroding, and political interference is rising, particularly in states targeting DEI programs, history curricula, and dissent.

The Road Ahead: Contraction, Consolidation, and Possibility

The College Meltdown will continue in 2026. More closures are coming, especially among small private colleges and underfunded regional publics. Mergers will be framed as “strategic realignments,” but for many communities — especially rural and historically marginalized ones — they will represent the loss of an anchor institution.

Yet contraction also opens space for reimagining. The United States could choose to rebuild higher education around equity, public purpose, and social good, rather than market metrics and debt financing. That would require:

• substantial public reinvestment,

• free or low-cost pathways for essential programs,

• accountability for predatory institutions,

• democratized governance, and

• a commitment to racial and economic justice.

Whether the nation takes this opportunity remains unclear. What is certain is that the system built on college mania, easy credit, and limitless expansion is collapsing — and Moody’s latest warning simply confirms what students, workers, and communities have felt for years.

The College Meltdown is here. And it’s reshaping the future of higher education in America.