Fundamentally, we have to ask ourselves, how is it fair and how is it smart to price a degree out of reach for the working class just as that degree became the price of entry into the middle class? And how is it fair or smart to create a new source of debt for a generation when that debt makes it harder for us to achieve the hallmarks of middle-class security: a house, marriage, and retirement savings? There is neither fairness nor wisdom in this system, only self-sabotage.