If it was private market dollars, people actually, if banks and and lenders took a loss when people couldn't pay back the loans, then the market would work itself out. The problem is at's the federal government stepping in and trying to be a market maker. There is such an easy freemarket solution here. It stands for income sharing agreement. This is where you give a loan to somebody and you get a percentage of their income over a period of time,. capped at a certain multiple, say two x. And what this does is it aligns to the person giving the loan with the job that's expected to come from the education. But here's the problem, nobody's watching