Rising prices for higher education, lack of structural reform, and growing reliance on student loans are creating unsustainable pressures on the U.S. college system, according to analysts Austin Campbell and Patrick McHenry. With a shrinking pool of traditional-age students entering the market, both experts warn that the current model is heading toward a breaking point. The discussion, featuring Rama M. Khare and Perkins Cr97, highlights how institutions continue to raise tuition without meaningful cost controls, while federal and private lending fills the gap—effectively subsidizing price increases rather than driving efficiency. As enrollment demographics tighten, the combination of declining demand and escalating debt levels threatens long-term stability across the sector.