The traditional US college model forces students to pay for classes they don’t need

Jake Flanagan:

On Aug. 10, Democratic candidate for US president Hillary Rodham Clinton unveiled a $350 billion plan to eliminate college debt and allow young Americans to complete four-year degrees without taking out loans.
Some see Clinton’s plan as a crucial step in the right direction. These days, it’s virtually impossible to self-finance an American college education.

For those not getting help from mom and dad, loans and/or federal grants are a matter of course. “In 2014-2015, the school year just ended, the total of tuition, fees and room and board for in-state students at four-year public universities was $18,943,” reports Anya Kamenetz for NPR. “The maximum Pell Grant didn’t keep pace with that: It was $5,730.” This leaves the average grantee roughly $13,300 to cover annually. (Pell Grants are funded by the US federal government and are based on financial need, as determined by FAFSA.)