43.3 million borrowers. $30,000 is the average debt load. 1.8%, or 779,000 people, have borrowed $150,000 or more. 346,000 people have borrowed $200,000 or more. We better alert systems that warn when a borrower is taking loans at alarming levels and when they are borrowing but not completing degrees. Obviously we need public policies and programs that counsels and advises students about debt and responsible borrowing. We need more innovations on student loan procedures, collection systems, etc., but we need to have a public discussion about how universities are governed and how we as a nation want to deal with the cost and availability of a higher education. Tuition restraint is only part of the solution.