Forbes, August 31, 2016: The real Answer to the Student Loan Crisis: Changing Borrower Behavior, Says Study

“That’s not some socialist fantasy — it’s actually possible, and possible without major changes to the current system for higher education in America, according to one extensive examination into how students, especially from low-income families, make choices about college. Far too many students end up in the ‘worst situation of all,’ says Alissa Fishbane, managing director with ideas42, a nonprofit behavioral design consultancy that has been studying how students from low-income families weigh college decisions. ‘They don’t have the benefits of a college degree, but they have college debt.’ By presenting choices about schools and financial options using insights from behavioral economics, students potentially have higher rates of completion — and owe far less when they graduate.”