The Sustainable Tuition Initiative is designed to address the student loan crisis by removing financial institutions from the process of funding higher education. This initiative focuses on creating a fairer system where students and educational institutions work directly, eliminating the burden of compounding interest and reducing financial barriers to education.

Acknowledging the Crisis & Building for the Future

We recognize that the student debt crisis is already overwhelming millions of Americans. While immediate relief efforts may still be necessary, our focus is on fixing the system at its core—so that we stop adding to the problem in the first place. The sooner we implement this model, the sooner we can prevent future generations from falling into the same debt traps.

Core Concept

The Sustainable Tuition Initiative proposes that colleges and universities assume responsibility for tuition costs, allowing students to repay their education directly to the institution at a low administrative fee (e.g., 1-2%). This ensures institutions cover their costs without profit-driven interest rates burdening students, making repayment simpler, more predictable, and dramatically cheaper than the current loan system.

For decades, banks have profited from student debt, trapping millions of Americans in compounding interest cycles that turn a four-year degree into a lifelong financial burden. And when the economy collapsed in 2008, we bailed them out.

Now, when it comes to the student loan crisis—a system they helped create—where are they? Nowhere.

If banks won’t step up to fix the problem, we will.

Key Features

• Direct Institution Loans: Students repay tuition directly to the school, bypassing third-party lenders entirely.
• Institutional Incentives: Colleges and universities can recoup costs through minimal administrative fees instead of charging high-interest rates.
• Elimination of Compounding Interest: Students are protected from the financial snowball effect of compounding interest, making debt manageable and easier to repay.
• No Additional Taxpayer Burden: This plan does not increase taxes or alter existing scholarships, grants, or other forms of financial assistance.
• Loan Default Considerations: While this framework does not yet provide a solution for handling student loan defaults, this is a necessary aspect that must be addressed as part of the broader discussion. The Roundtable Revolution is designed to refine this plan with input from economic experts, educators, and policymakers.

Why This Matters

We’ve bailed out the banks before. Now, it’s time to bail out the American people.

This isn’t just an education reform—it’s economic warfare by the American people against institutions that have refused to act. If banks will not support students, we will impose financial sanctions against them by cutting off their access to the education lending market.

We are cutting off their revenue stream from student loans. We are removing their ability to profit off compounding interest. We are taking back control of how education is funded.

If banks want to play a role in education, they can accept 1-2% in administrative fees over 0%. But if they won’t? Then they get nothing.

We’re not asking for permission. We’re shutting them out.

Collaboration Through the Roundtable Revolution

This concept is not a finalized plan—it’s a starting point for discussion. The details of the Sustainable Tuition Initiative will be refined through input from everyday Americans, educators, and students as part of the Roundtable Revolution. The goal is to create a system that works for everyone by addressing real-world challenges collaboratively.

Expected Outcomes

• For Students: Affordable access to higher education without the burden of compounding interest or predatory loans.
• For Institutions: Increased accountability for student success and a stronger focus on educational outcomes.
• For Taxpayers: A solution that requires no additional taxes or changes to current funding mechanisms.

The Bigger Picture: Making It Simple

We know that when people hear about education reform, they assume it means higher taxes or government-funded tuition. That’s not what this is.

The Sustainable Tuition Initiative is about removing the predatory middleman from education funding—the banks that profit off student debt.

Right now, student loans aren’t just about tuition—they’re about making financial institutions money. Interest compounds, debt balloons, and people end up paying two, three, even four times what their education actually cost.

We’re cutting that system out.

Students borrow directly from their schools, not banks. Colleges charge only minimal administrative fees instead of financial institutions making billions in profit. Debt becomes manageable, predictable, and fair.

And here’s the key part—this does not cost taxpayers a dime.

If you’re worried about “paying for someone else’s school,” you don’t have to be. This plan doesn’t ask for your money. It simply shifts the system away from one that is designed to trap people in debt.

This isn’t radical—it’s just common sense.

The system we have today was built to make money off of students, not to help them succeed.

That’s what we’re changing.

Final Thought: A Call to Action

Higher education should be a stepping stone to success, not a lifelong financial burden.

The Sustainable Tuition Initiative doesn’t promise free college. It promises fair college.

We are done waiting for financial institutions to do the right thing. We are taking back control of how education is funded. If we fix this now, we stop the cycle before another generation is locked into debt.

The future of higher education isn’t in the hands of banks—it’s in the hands of the people.

Let’s build a system that works for students, not for financial institutions.

Join the movement. Demand change. The time is now.