Whither America? I don’t know and I hate discouraging news but how do you avoid it because, even when you look at higher education, you have to lower your gaze. Among a load of current worries about this, that and the other are tuition rates avoiding common sense as well as a sense of ethics about the harm to students and even society at large. What happened was a federal student loan program taking no heed of students’ financial situations, meaning any student could borrow any amount, thereby leading even low-wealth middle-class students to imprudently borrow whatever it took to get a coveted…