The problem is colleges and universities have increased their prices so much over the last 20 years they're forcing people to make this kind of analysis on ROI. In the old days a young person could pay for a local university with a part time job and spend 4 years getting a major with a poor ROI just because it was interesting or so they can participate in campus life, but those days are gone. Now that a 4 year degree could result in a lifetime of debt people should do some careful analysis before making that kind of decision, and that’s purely on these institutions of higher learning for pricing themselves out of the market.