Aligning Institutional ROI with Student Behavioral Sovereignty In a recent Wall Street Journal op-ed, "The Credit Bubble Everybody’s Ignoring," Allysia Finley leveled a sharp critique at the American higher education system. Discussing the rising tide of defaults in federal student loans and FHA mortgages, she noted borrowers treated deferred debt as disposable income during the pandemic. Her conclusion served as a direct challenge to the current university curriculum: "Not s