Consumers owe more on student loans than they do on credit cards. That’s a lot of money. We’re talking $850 billion. And while loan debt is “good debt” — it also is subject to conditions that make it largely inescapable even in dire situations. Will higher ed have to be restructured as these debt loads increase, and we soon hit the limit of where full-pay families can afford our services? If tuition/fees keep going up at around 5-7%, that day isn’t long away.