Although I agree that we must own our choices if ever we are to progress—experience being that teacher that gives the test before the course. However, having to borrow tens or hundreds of thousands to finance an education is not a choice, unless you have enough cash to pay for yourself. That is the stupidity and injustice of the system, forcing people to get a degree that costs so much you have to go into debt. It is also unjust: cui bono?

You know who.