CREDIT DEFAULT SWAPS: COLLEGE. BANKING - ON FAILURE.

College is a great way to expand an individual's critical thinking skills and open minds, but not without many students having to open their wallets. Lots of them. Primarily, individuals who already fall into lower income brackets and have strong correlations with a large percentage of the minority population. The current student loan debt stands at an estimated 1.3 trillion dollars.

CREDIT DEFAULT SWAPS. What are they? In a nut shell, someone get's paid when you fail.

COLLEGE. BANKING ON FAILURE...

Mangukiya asks, "is the cost of college really worth the massive student loan debt?" Mangukiya, provides a look into the benefits and drawbacks affiliated with investing into a college education. Specifically, quality of life, career, and economic benefits. His depiction of the benefits are a fairy tale account of the reality. He does a great job at displaying job titles and providing a superficial and over glorified summary of the benefits, which he concludes by agreeing a college education is worth the investment.

But, more in-depth data can provide in all too common story. The conclusion, just perpetuates a fallacy. Mangukiya, is aware and has arrived at the conclusion, the debt is just getting worse as time progresses and he expresses, "The growing problem of student loan debt has dominated national news for several years."

So, how can a college education still be worth the investment if the debt has placed a great deal of stress collectively on a massive amount of students?

"In comparing, another more realistic info graphic with feedback provided by 1,500 individuals the conclusion, for many - is that college just isn't worth the cost anymore." An interesting data set, to merge with his info graphic would be the stakeholders and credit derivatives, to illustrate the relationships and how each piggy back off of each other. Reed, of the Street reports, "creating disruption and very real risks for investors who bank on a guaranteed rate of return (a student's failure). Indeed, in many cases, it would be better for the investors if borrowers were defaulting in greater numbers, as that would trigger government guarantees and stabilize returns."

Is this good enough for guarantees and returns?

For instance, a student looking to go to college were to get a quick glimpse of the averages and yearly progressive increases, this may send a red flag to the student and lead them to question. Word clouds dominate all areas of academic levels, which typically, and heavily recruit the words "benefits" and "college."

For instance, if the words debt, too many years, and repayment were enlarged and frequently illustrated in word clouds, I think an individual's perception would be different. Add to this the many walking billboards, which advocate for their university, by proudly wearing the universities branding and logo on university attire. As studies show the majority of individuals are more inclined to visual learning and perhaps, spark a different thought, "Maybe college isn't all its hyped up to be?"