response post to The value proposition of higher education has long held the goal of increasing educational training and credentialing in order to ensure a higher possibility of career advancement and potential lifetime income earning potential. However, the ability of value proposition to accomplish this has been made difficult with the worsening state of how education is funded; whether it is the increasing burden of student loans or ever increasing college tuition prices, In the article "Student loans: do college students borrow too much-or not enough?" author Avery examines how while the amount of money students borrow for their education has increased, there is no concrete evidence that it is worthwhile in conjunction with potential income. Specifically, they write "There is no consensus on whether students are borrowing too little, too much, or the right amount to finance their investment in human capital" (p. 165). Without a significant amount of reliable feedback on educational return, students must make a more concerted effort to decide if their future income will be enough to outweigh potential negatives from the burden of student loans