Remove the financial inducement, and the 80 percent in college who have no business there will vanish.
The financial inducement is there because the high school degree has become dumbed down to near-worthlessness. The college degree is the new high school degree.
And because of EEOC lawsuits, business effectively cannot use their own testing as a barrier to entry. So, they/we are stuck with using the college degree, and thus the financial inducement.
And in addition, 100% of the remainder of student loans are forgiven after 10 years (120 consecutive payments) of gov. or secular non-profit service. Thus fostering liberals predominating in these areas.