Yes, you are right when you indicate that this is not for the students benefit but for the schools and banks that lent them the money. This situation does not show signs of change. The incentives with the lending institutions and higher ed are still in place. Students are certainly caught in the middle. The "game" seem to be to recruit all the students you can, regardless of readiness, or at least minimize to the prospective student what will be required. When it comes to deciding on a college, should the motto be "Caveat Emptor?" We currently have in Texas a completion rate of 36% for universities and 19% for community colleges. This includes all certificate programs as well as degrees. These rates are abysmal. As instructors, do we need to, at the basic math level, examine how we teach, not with an eye toward lowering standards, but toward finding methods that may help increase learning and reduce failure rates. Excessive fail rates suggests that something is not worki! ng. Students are dropping out in significant numbers with student loan debt and little to show for their efforts. We have too take a hard look at how we do things.