Perhaps, the one single word that many try to avoid mentioning in daily conversation is slavery.  We try to be honest in this specific article in commemorating the Association establishment, exactly 5 years ago, today.  Where are we in the US higher Ed?

After doing research and intensive study on publicly available data we can make early conclusions, i.e., maintained hypotheses such as:

1. The student loans program have been integrated into the whole economic system, where the motivation is directed more toward making money/profit than the original soul of NDEA.  Think about Fed loan charges higher interest rates(determine by the US lawmakers) than those of commercial financial institutions.  What is wrong here?  Don’t the readers think that they, the lawmakers supposed to work for the benefit of its majority citizens? Or at least for their constituents who bring them to office, and not to the big donors?  Pretty ironic.
2. Future college education cost will never be cheaper.  As the Wall Street gets more involved in it, one might expect that the US total student loans will have a positive growth, and not otherwise.  When this article is written the total loans is just about $1.45, close to $1.5 trillion.  Check this number yourself in the next 6 months. It will increase!
3. College employees’ salary and wages will always go up.  People will ask more money and pay raise, while the state funding may not enough to cover all the operational cost.  Therefore, education cost will increase!
4. When one takes the loans, she or he is in her or his own.  Do not expect someone will help you out.  Often, the loan services company intentionally do something bad, such that you will be forever in debt.
5. Majority of American young generation will carry more financial burdens due to taking student loans, and have to work extremely hard to get a college degree without becoming the slaves of big/financial corporations and Wall Street.
6. Student should not take students loans, ever.  Go to places/states that have strong support for its 2-year colleges.  Let the scholarship money pay for you.  Work as hard as you can during your HS years and max out your assessment scores such ACT and higher school GPA.  With ACT composite score below 20-25, one needs to start really slow, test the water before go all the way in.
7. College education is not for everyone–that said, it changes from normal to luxury goods.  Consequently, only certain segments in the society “who can afford” to pay the price without going under will buy it., i.e. go to college.  In the long-run, it will skew the income distribution/Gini ratio.
8. Some professions in soft-science will experience brain dry, for uncertainty to get the student loans paid-off will be higher compared to those in hard-science areas such as engineering, computer science. health science, math and other related fields.
9. Various soft-science programs will disappear or downsize in many higher ed institutions. This proposition is confirmed on March 21, 2018, as reported by the Washington Post.
10. Increasing number of small and private colleges will go under.  Especially those located in the rural areas or areas which do not have enough support for students to get a part-time job.   Some articles and analysts read our analyses, then made a statement on April 1, 2018.
11. Private US colleges will decrease overtime, and other state-owned institutions will grow.  For example, state-owned institutions, or the established programs such as the Ivy League or any programs located in more urban or semi urban areas, such as Research Triangle in NC or Murfreesboro or Franklin in TN will grow faster.  These cities offer plenty of part-time job opportunities to students.
12. More family will migrate to states that have cheaper college tuition or have a bigger funding support for its residents, and cheaper cost of living.  State such as TN will experience enrollment growth with its various higher ed supports or scholarship programs, such as PROMISE or RECONNECT.