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private, social, and economic benefits—from improved health to lower rates of welfare dependency and greater contributions to the tax base. Unfortunately, public pronouncements about why higher education matters, including those from university presidents, tend to focus on the fact that going to college enhances one’s personal economic status. The rich combination of societal and individual benefits of higher education is largely overwhelmed by the reality that university degree holders make an average of U.S.$1 million more over their lifetimes than non–degree holders. This obsession with private economic benefits has been a factor in the rapid rise in tuition rates, with a growing share of the financing burden shifted to students. As a result, concerns over student access have grown. While overall enrollments have increased substantially over the last 30 years, the gap between the lowest and highest income groups, and between minorities and others, has remained virtually unchanged. Those enrolled are now required to pay an ever-increasing share of the total cost of a university degree, especially through student loans. American students are indebted at levels unthinkable on an international level: more than U.S.$50 billion per year is borrowed by students to pay for college.

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