Why is it that colleges and universities are getting off the hook on student loans? They are taking a king's ransom in tuition and fees, turning out superannuated adolescents who can't get or hold a decent job, and are completely out of the conversation about the student loan crisis. THEY are the main culprit in the student loan crisis. If they would confine themselves to EDUCATION, stop accepting unprepared students, cut the waste, and shorten the degree period from 4+ years to three, everyone would be in much better shape. Do we really need a Vice Provost for Diversity and Inclusion? Do we need a hundred courses containing the word "studies" or "methods"? Do they need 50 NCAA "sports," most of which provide scholarships, and all of which, collectively, lose money for the institution? Do they need professors who teach, maybe, 6 hours a week on a full-time salary? Do they need a 500,000square foot student union? You get the idea. College tuitions and enrollments could be cut by half and the society would be better for it. But wouldn't it be nice if the colleges were forced to either provide funding for student loans, or assume a recourse obligation when they default? Maybe not 100%, but a substantial stake.