We have heard from the State of the Union, the bold plan to make the US education system to be more efficient and to increase job opportunities to US college graduates.  Income inequality was also mentioned.  Perhaps, some of the readers are aware that there are direct relationships between student loans and income inequality.  The higher the cost of education means the more money that students have to take and that the amount of accumulated loans has direct impacts on their (future) income as well.  The interest paid on the student loans will basically and theoretically go to the owners of the capital which will make their wealth to further accumulate.  If one needs to solve part of the problems, he or she needs first to make sure that tuition charged to the students is justifiable.  It needs to be the minimum possible tuition after all possible ways of saving and efforts to reduce the operational cost have been exhausted.   AAEA has again and again voice the needs for US colleges to work more efficiently.  Please write us back, what you guys think?