The conclusion of the recent election finally brought relief to millions of voters tired of seeing political ads during every waking hour of television broadcasts across dozens of battleground states.  But once the ads disappear and reality sets in again, tough questions still linger about the cost of college and the future of federal financial aid.

The Consumer Financial Protection Bureau (CFPB) was established as yet another layer of federal bureaucracy to prevent consumers from making bad financial decisions.  Yet as the number of direct student loan borrowers grows and loan volumes continue to rocket upward, the CFPB has chosen to focus on a small subset of ‘subprime’ student loans issued by private lenders.  That’s unfor