Most colleges and universities are expensive and inefficient and take student loans and government subsidies, regardless of whether or not their students succeed. This model has created a $1.7 trillion problem for the U.S. economy and out of the 69% of students who took an average of $37k in student loans, 60% of students fail to complete their programs and graduate.  At Accredicity, we believe this is fundamentally broken and that we must take a different approach. This is why we decided to use a Student-Centric Subscription Tuition Model in combination with a fee simple approach that does not cripple our students by an unbearable debt for life.